| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 85281 | METROPOLITAN LIFE INSURANCE COMPANY | $305K | — | $305K | 7.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | — | $93K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZON | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | — | $93K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC | 2333 W UNIVERSITY DR C-103 TEMPE, AZ 85281 | EYEMED VISION CARE | $34K | — | $34K | 4.55% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 85281 | ARAG INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DR STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 9.55% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 9.43% |
| DAVISON BENEFITS GROUP LLC3 | 5080 N 40TH ST STE 375 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162 | — | $162 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 2325 E. CAMELBACK RD STE 600 PHOENIX, AZ 85016 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 9.99% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 9.99% |
| DAVISON BENEFITS GROUP LLC3 Filed as: DAVISON BENEFITS GROUP | 6900 E. INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | EYEMED VISION CARE | $327 | — | $327 | 7.35% |
| DAVISON BENEFITS GROUP LLC3 Filed as: DAVISON BENEFITS GROUP | 5080 NORTH 40TH STREET PHOENIX, AZ 85018 | EYEMED VISION CARE | $39 | — | $39 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $6.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $428K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $104K |
| HEALTH AND HUMAN RESOURCE CENTER, PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $22K |
| OPTUMRX | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $0 |
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 | 6,526 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AND HUMAN RESOURCE CENTER | 1,142 | $22K |
| Vision(2 contracts) | EYEMED VISION CARE | 10,250 | $743K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,367 | $3.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICAN | 4,666 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,367 | $3.9M |
| Other(8 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,367 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,250 | — |
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."
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.