| 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 | $340K | $79K | $418K | 9.64% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 85281 | ARAG INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 9.95% |
| GBS ARIZONA INC3 Filed as: GBS ARIZON | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 9.95% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 9.16% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 9.16% |
| 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% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 10.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 W UNIVERSITY DRIVE STE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 10.00% |
| GBS ARIZONA INC3 | 2333 W UNIVERISTY DR C-103 TEMPE, AZ 85281 | EYEMED VISION CARE | $29K | — | $29K | 507.51% |
| 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 | — | $17.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $486K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Claims processing Service code 12 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $112K |
| HEALTH AND HUMAN RESOURCE CENTER, EIN 33-0052273 PLAN ADMINISTRATOR | Claims processing Service code 12 | — | $23K |
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 | 7,055 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 10,608 | $786K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,129 | $4.3M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICAN | 5,986 | $25K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 11,129 | $4.3M |
| Other(8 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,129 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,129 | — |
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.