| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 | 14301 N 87TH ST STE 308 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $27K | — | $27K | 15.07% |
| JEFFREY GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $3K | — | $3K | 1.56% |
| JAKE J CRAMER3 | FREESTONE FINACIAL LLC 8501 N SCOTTSDALE RD #160 SCOTTSDALE, AZ 852530000 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 6.45% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES L | 8501 N SCOTTSDALE RD STE 160 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES L | 8501 N SCOTTSDALE RD STE 160 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $596 | — | $596 | 15.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES L | 8501 N SCOTTSDALE RD STE 160 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $583 | — | $583 | 14.99% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8501 N SCOTTSDALE RD STE 160 SCOTTSDALE, AZ 852532755 | VISION SERVICE PLAN | $707 | — | $707 | 52.76% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 122 | $178K |
| Dental | DELTA DENTAL OF ARIZONA | 110 | $65K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 122 | $187K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $24K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 122 | $178K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 122 | $178K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.