| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B ST STE 600 SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF ARIZONA | $94K | — | $94K | 37.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC | TOM KAMINSKY 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $14K | — | $14K | 7.99% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $14K | 24.77% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 24.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 91737 | AVESIS INSURANCE INCORPORATED | $4K | — | $4K | 9.99% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 24.46% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 24.65% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $726 | $2K | 24.67% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 206 | $251K |
| Dental | DELTA DENTAL OF ARIZONA | 197 | $179K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 499 | $286K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $47K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 206 | $251K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 206 | $251K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.