| 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 | $313K | — | $313K | 7.95% |
| 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 | $91K | — | $91K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | — | $91K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC | 2333 W UNIVERSITY DR C-103 TEMPE, AZ 85281 | EYEMED VISION CARE | $37K | — | $37K | 4.99% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 85281 | ARAG INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| GBS ARIZONA INC3 | 2333 W UNIVERISTY DR C-103 TEMPE, AZ 85281 | EYEMED VISION CARE | $498 | — | $498 | 10.65% |
| DAVISON BENEFITS GROUP LLC3 Filed as: DAVISON BENEFITS GROUP | 5080 NORTH 40TH STREET PHOENIX, AZ 85018 | EYEMED VISION CARE | $125 | — | $125 | 2.67% |
| 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 | $658 | — | $658 | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $14.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $426K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $105K |
| HEALTH AND HUMAN RESOURCE CENTER, EIN 33-0052273 PLAN ADMINISTRATOR | Claims processing Service code 12 | — | $22K |
| OPTUMRX | Float revenue; Other fees; Claims processing; Direct payment from the plan 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 | 6,707 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AND HUMAN RESOURCE CENTER | 1,132 | $22K |
| Vision(2 contracts) | EYEMED VISION CARE | 10,317 | $753K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,644 | $3.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICAN | 5,986 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,644 | $3.9M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,644 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,644 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.