| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 510 N HUMPHREYS ST STE 100 FLAGSTAFF, AZ 86001 | BLUE SHIELD OF CA | $85K | — | $85K | 30.82% |
| BROKERAGE CONCEPTS INC5 | 801 LAKEVIEW DR, SUITE 301 BLUE BELL, PA 19422 | BLUE SHIELD OF CA | — | — | $0 | 0.00% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 510 N HUMPHREYS ST STE 100 FLAGSTAFF, AZ 86001 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.78% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 510 N HUMPHREYS ST STE 100 FLAGSTAFF, AZ 86001 | GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.76% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 510 N HUMPHREYS ST STE 100 FLAGSTAFF, AZ 86001 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 SERVICE PROVIDER | Insurance agents and brokers Service code 22 | — | $72K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CA | 306 | $277K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 441 | $89K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 441 | $89K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $285K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $239K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CA | 306 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.