| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $223K | — | $223K | 37.21% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $38K | — | $38K | 6.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 13.01% |
| H2H ENROLLMENTS, LLC3 Filed as: H2H ENROLLMENTS LLC | 20235 N CAVE CREEK RD #104-286 PHOENIX, AZ 85024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 9.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD SUITE 270 PHOENIX, AZ 85012 | EYE MED | $3K | — | $3K | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $96K | — | $96K | 30.03% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 5.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $72K | — | $72K | 28.64% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AP 85024 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 3.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E CHANDLER BLVD BUILDING 1, SUITE 103 PHOENIX, AZ 85048 | TRUSTMARK INSURANCE COMPANY | $83K | — | $83K | 33.30% |
| H2H ENROLLMENTS, LLC3 | 20235 N CAVE CREEK RD SUITE 104-286 PHOENIX, AZ 85024 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 10.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 11.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Claims processing; Contract Administrator Service code 12 | — | $2.3M |
| CARELONRX INC EIN 82-3062245 NONE | Insurance services Service code 23 | — | $141K |
| UNITED PET CARE LLC EIN 86-0814427 NONE | Insurance services Service code 23 | — | $112K |
| TELADOC HEALTH INC EIN 04-3705970 NONE | Insurance services Service code 23 | — | $101K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 NONE | Contract Administrator; Claims processing Service code 12 | — | $86K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Insurance services Service code 23 | — | $42K |
| MOSS ADAMS EIN 91-0189318 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 NONE | Claims processing Service code 12 | — | $24K |
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 | 2,321 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,027 | $3.8M |
| Vision | EYE MED | 3,736 | $368K |
| Life insurance(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 3,191 | $1.2M |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 1,563 | $250K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,263 | $373K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,027 | $3.8M |
| Other(4 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 3,191 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,027 | — |
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.