| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | COMBINED INSURANCE COMPANY | $581K | — | $581K | 74.58% |
| TOM TUCKERMAN ASSOCIATES LTD3 Filed as: TOM TUCKERMAN ASSOCIATES | 1650 E BETHANY HOME PHOENIX, AZ 85016 | COMBINED INSURANCE COMPANY | $69 | — | $69 | 0.01% |
| ANGELA WOOLARD3 | 171 ORMOND LN BATH, NC 27808 | COMBINED INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY AZ | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | COMBINED INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS, INC. | 1850 N CENTRAL AVE #2000 PHOENIX, AZ 85004 | COMBINED INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.5 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN LIFE INSURANCE COMPANY | $64K | — | $64K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | EYE MED | $2K | — | $2K | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85048 | EYE MED | $2K | — | $2K | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $1.6M |
| UNITED PET CARE LLC EIN 86-0814427 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $117K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $95K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $47K |
| TELADOC HEALTH INC. EIN 04-3705970 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $10K |
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 | 2,228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,120 | $4.0M |
| Vision | EYE MED | 3,744 | $409K |
| Life insurance(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY | 3,044 | $1.5M |
| Short-term disability | COMBINED INSURANCE COMPANY | 1,089 | $780K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 2,504 | $453K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,120 | $4.0M |
| Other(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY | 3,044 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,120 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.