| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIN P. COLLINS & ASSOCIATES, INC.3 Filed as: ERIN COLLINS & ASSOCIATES | 1115 STOCKTON HILL RD STE 101 KINGMAN, AL 86401 | BLUE CROSS BLUE SHIELD OF ARIZONA | $25K | — | $25K | 11.60% |
| ERIN P. COLLINS & ASSOCIATES, INC.3 | 1115 STOCKTON HILL RD STE 101 KINGMAN, AZ 86401 | AMERITAS LIFE INSURANCE CORP | $3K | $322 | $3K | 3.57% |
| ERIN P. COLLINS & ASSOCIATES, INC.3 Filed as: ERIN COLLINS & ASSOC INC | 1115 STOCKTON HILL RD SUITE 101 KINGMAN, AZ 86401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.36% |
| ERIN P. COLLINS & ASSOCIATES, INC.3 Filed as: ERIN P. COLLINS & ASSOCIATES, INC | 1115 STOCKTON HILL RD STE 101 KINGMAN, AZ 86401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 16.45% |
| M&O AGENCIES DBA THE MAHONEY GROUP3 | 1835 S. EXTENSION RD MESA, AZ 85210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.81% |
| ERIN P. COLLINS & ASSOCIATES, INC.3 | 1115 STOCKTON HILL RD STE 101 KINGMAN, AZ 86401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 23.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 N/A | Contract Administrator Service code 13 | P.O. BOX 13466 PHOENIX, AZ 850023466 | $104K |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 124 | $219K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 277 | $115K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 277 | $314K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $20K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 124 | $219K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 124 | $219K |
| Other(4 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP | 277 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.