| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST STE 100 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $31K | — | $31K | 13.59% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS | 7901 NORTH 16TH STREET STE #100 PHOENIX, AZ 85020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE A MARSH & | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $239 | $239 | 1.39% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS | 7901 NORTH 16TH STREET SUITE 100 PHOENIX, AZ 85020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE A MARSH & | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $247 | $247 | 1.62% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS | 7901 NORTH 16TH STREET STE #100 PHOENIX, AZ 85020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE A MARCH & | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $224 | $224 | 1.65% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS | 7901 NORTH 16TH STREET STE #100 PHOENIX, AZ 85020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $326 | — | $326 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE A MARSH & | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $37 | $37 | 1.70% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $227K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $227K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $227K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.