| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | SUN LIFE ASSURANCE COMPANY OF CANADA | $121K | $0 | $121K | 5.36% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA, INC | UNKNOWN MESA, AZ 85210 | HEALTH PLAN OF NEVADA | $34K | $20K | $54K | 4.65% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 919 NORTH 1ST STREET PHOENIX PHOENIX, AZ 85004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 4.88% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE, SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 3.82% |
| ARNETT INSURANCE SERVICES LLC3 Filed as: ARNETT INSURANCE SERVICES, LLC | 3850 EAST BASELINE ROAD, SUITE 106 MESA, AZ 85206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 3.12% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $498 | $0 | $498 | 0.22% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 19.70% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | $0 | $118 | 0.11% |
| ARNETT INSURANCE SERVICES LLC3 Filed as: ARNETT INSURANCE SERVICES, LLC | 3850 EAST BASELINE ROAD, SUITE 106 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | $0 | $48 | 0.05% |
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 | 2,827 | 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) | 2,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,175 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,079 | $367K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,069 | $724K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,827 | $2.9M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,827 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,827 | $2.6M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,175 | $3.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,827 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,827 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.