| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INT. AZ., INC. | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $56K | — | $56K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $14K | — | $14K | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 9.01% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.64% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $112 | $2K | 1.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $545 | $545 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | UNUM INSURANCE COMPANY | $6K | $392 | $6K | 26.22% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 5.99% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | UNUM INSURANCE COMPANY | $87 | $8 | $95 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $137 | $1K | 10.53% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $530 | $530 | 3.96% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | STARMOUNT LIFE INSURANCE COMPANY | $296 | $18 | $314 | 2.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.92% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 284 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 284 | $1.3M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 144 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $98K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 284 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.