| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 3.46% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 E BASELINE RD STE 106 MESA, AZ 85206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - PHOENIX | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.27% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 E BASELINE RD STE 106 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $77 | $62K | 20.19% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVE, RAY | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $21 | $9K | 2.99% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 E BASELINE RD STE 106 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.71% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 EAST BASELINE ROAD SUITE 106 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 18.36% |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,412 | $356K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,377 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,412 | $534K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,414 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,569 | $574K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,412 | $356K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,412 | $356K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,414 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,414 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.