| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF AZ | $0 | — | $0 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF AZ | $28K | — | $28K | 9.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK RD STE 100 SCOTTSDALE, AZ 85255 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 13.99% |
| TRUE NETWORK ADVISORS3 Filed as: TRUE NETWORK | 383 GUNTER AVE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.53% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 624 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF AZ | 668 | $285K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 519 | $37K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 536 | $197K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 536 | $197K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 536 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.