| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H2H ENROLLMENTS, LLC3 Filed as: H2H ENROLLMENTS LLC | 20235 N CAVE CREEK RD #104-286 PHOENIX, AZ 85024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | — | $39K | 8.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 369 S ARIZONA AVE STE A CHANDLER, AZ 85225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 6.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $42K | — | $42K | 11.90% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $32K | — | $32K | 9.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 369 S ARIZONA AVE SUITE A CHANDLER, AZ 85225 | EYE MED | $3K | — | $3K | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1345 E CHANDLER BOULEVARD PHOENIX, AZ 85048 | EYE MED | $262 | — | $262 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD SUITE 270 PHOENIX, AZ 85012 | EYE MED | $236 | — | $236 | 0.07% |
| H2H ENROLLMENTS, LLC3 Filed as: H2H ENROLLMENTS LLC | 20235 N CAVE CREEK RD #104-286 PHOENIX, AZ 85024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 369 S ARIZONA AVE STE A CHANDLER, AZ 85225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| H2H ENROLLMENTS, LLC3 Filed as: H2H ENROLLMENTS LLC | 20235 N CAVE CREEK RD #104-286 PHOENIX, AZ 85024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 369 S ARIZONA AVE STE A CHANDLER, AZ 85225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $49K | — | $49K | 24.57% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $27K | — | $27K | 13.62% |
| H2H ENROLLMENTS, LLC3 Filed as: H2H ENROLLMENTS LLC | 20235 N CAVE CREEK RD #104-286 PHOENIX, AZ 85024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 369 S ARIZONA AVE STE A CHANDLER, AZ 85225 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AP 85048 | TRUSTMARK INSURANCE COMPANY | $30K | — | $30K | 22.73% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 11.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 16.26% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 5.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.5M |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 NONE | Contract Administrator; Claims processing Service code 12 | — | $67K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 NONE | Claims processing Service code 12 | — | $20K |
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 | 1,863 | 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) | 1,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 3,675 | $1.7M |
| Vision | EYE MED | 3,227 | $340K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,549 | $1.0M |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 1,071 | $133K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,544 | $299K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 3,675 | $1.7M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,549 | $627K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,675 | — |
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.