| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 400 E RIVULON BLVD STE 116 GILBERT, AZ 85297 | METROPOLITAN LIFE INSURANCE COMPANY | $317K | $39K | $356K | 9.34% |
| AGIS NETWORK INSURANCE SERVICE3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 10.87% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 400 E RIVULON BLVD STE 116 GILBERT, AZ 85297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 10.87% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 400 E. RIVULON BLVD 116 GILBERT, AZ 85297 | EYEMED VISION CARE | $22K | — | $22K | 3.36% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 85281 | ARAG INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | FOUR EVER LIFE INS CO. | $20K | — | $20K | 10.00% |
| AGIS NETWORK INSURANCE SERVICE3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.84% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 400 E RIVULON BLVD STE 116 GILBERT, AZ 85297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
| GBS ARIZONA INC3 | 2333 W UNIVERISTY DR C-103 TEMPE, AZ 85281 | EYEMED VISION CARE | $367 | — | $367 | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH AND HUMAN RESOURCES CENTER PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $21K |
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 | 5,287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 15 | $202K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,876 | $666K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,437 | $3.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,437 | $3.8M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,437 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,437 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.