| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | $0 | $0 | 0.00% |
| FBC SERVICES INC3 | 14201 N 87TH ST D141 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 18.71% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.93% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.07% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $401 | — | $401 | 9.07% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | AVES | $174 | — | $174 | 15.21% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 303 | $322K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $140K |
| Vision | AVES | 310 | $1K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.