| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 400 EAST RIVULON BOULVARD SUITE 116 GILBERT, AZ 85297 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $160K | $93K | $253K | 4.73% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 400 EAST RIVULON BOULVARD SUITE 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316K | $51K | $367K | 12.94% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC., LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76K | $76K | 2.69% |
| 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 | 2.85% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $0 | $444 | 0.19% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA | 2333 WEST UNIVERSITY BOULEVARD SUITE C103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 19.68% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | $0 | $112 | 0.10% |
| 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 | 0.04% |
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 | 4,163 | 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) | 4,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,105 | $5.3M |
| Vision | VISION SERVICE PLAN | 3,164 | $582K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,163 | $3.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,163 | $2.8M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,163 | $2.8M |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,105 | $5.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,163 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,163 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.