| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | $184 | $184 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF AZ INC | PO BOX 2800 PHOENIX, AZ 850022800 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 10.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1345 E CHANDLER BLVD BLDG 1 - 103 PHOENIX, AZ 85048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.77% |
| CSA GENERAL INSURANCE AGENCY3 | C/O BCBS ATTN CASH CONTROL PHOENIX, AZ 850691049 | EYE MED | $2K | — | $2K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BOULEVARD PHOENIX, AZ 85048 | EYE MED | $725 | — | $725 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF AZ INC | PO BOX 2800 PHOENIX, AZ 850022800 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1345 E CHANDLER BLVD BLDG 1 - 103 PHOENIX, AZ 85048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | — | $258 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF AZ INC | PO BOX 2800 PHOENIX, AZ 850022800 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1345 E CHANDLER BLVD BLDG 1 - 103 PHOENIX, AZ 85048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | — | $476 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF AZ INC | PO BOX 2800 PHOENIX, AZ 850022800 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1345 E CHANDLER BLVD BLDG 1 - 103 PHOENIX, AZ 85048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | — | $559 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Claims processing; Contract Administrator Service code 12 | — | $780K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 NONE | Claims processing Service code 12 | — | $64K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 NONE | Claims processing Service code 12 | — | $0 |
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 | 1,869 | 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) | 1,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,869 | $911K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,496 | $1.1M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,926 | $496K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,292 | $172K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,869 | $911K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,869 | $911K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,926 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,496 | — |
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.