| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES Filed as: BROWN & BROWN INSURANCE OF AZ | 2800 N. CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $17K | $0 | $17K | 3.36% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $6K | $0 | $6K | 1.14% |
| BROWN & BROWN INSURANCE SERVICES Filed as: BROWN & BROWN INSURANCE OF AZ | 2800 N. CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $2K | $0 | $2K | 5.17% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $616 | $0 | $616 | 1.83% |
| BROWN & BROWN INSURANCE SERVICES3 | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 850041043 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.39% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | PRINCIPAL LIFE INSURANCE COMPANY | $791 | $0 | $791 | 2.44% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $628 | $628 | 1.94% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $415 | $415 | 1.28% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $119 | $119 | 0.37% |
| BROWN & BROWN INSURANCE SERVICES Filed as: BROWN & BROWN INSURANCE OF AZ | 2800 N. CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | VISION SERVICE PLAN | $424 | $0 | $424 | 5.13% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $155 | $0 | $155 | 1.87% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 107 | $516K |
| Dental | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 135 | $34K |
| Vision | VISION SERVICE PLAN | 100 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $32K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.