| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF ARIZONA | $29K | $20K | $49K | 8.65% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.86% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | EQUITABLE FINANCIAL LIFE INSURANCE | $7K | $0 | $7K | 13.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ARIZONA | 2444 W LAS PALMARITAS DR PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE | $0 | $2K | $2K | 4.55% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 2321 NORTH 4TH STREET FLAGSTAFF, AZ 86004 | AVESIS INSURANCE INCORPORATED | $924 | $0 | $924 | 9.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 55 | $571K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 176 | $50K |
| Vision | AVESIS INSURANCE INCORPORATED | 103 | $9K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE | 92 | $49K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 92 | $49K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 92 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 55 | $571K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE | 92 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.