| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMBELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $58K | $0 | $58K | 4.33% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMBELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 12.48% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.76% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMBELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | AFLAC | $544 | $0 | $544 | 5.81% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-465 PEORIA, AZ 85383 | AFLAC | $392 | $0 | $392 | 4.18% |
| GLEN DOUGLAS GABLE3 Filed as: GLEN DOUGLAS GABLE AND OTHER AGENTS | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $205 | $0 | $205 | 2.19% |
| DAVID R LATTIMER3 Filed as: DAVID R. LATTIMER | 6605 NORTH 93RD AVENUE GLENDALE, AZ 85305 | AFLAC | $152 | $0 | $152 | 1.62% |
| LANCE D THORSON3 Filed as: LANCE D. THORSON | 1721 12TH AVENUE, NE WATERTOWN, SD 57201 | AFLAC | $87 | $0 | $87 | 0.93% |
| ROBERT ELI WHITNEY3 Filed as: ROBERT D. ALLEN | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $65 | $0 | $65 | 0.69% |
| JEANNETTE YVONNE DURRANI3 | 14835 NORTH 1ST AVENUE PHOENIX, AZ 85023 | AFLAC | $57 | $0 | $57 | 0.61% |
No Schedule C service providers reported on this filing.
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 190 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 190 | $1.3M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $53K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $53K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $63K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 190 | $1.3M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 147 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.