| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS BLUE SHIELD OF ARIZONA | $52K | $113 | $52K | 5.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85408 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 19.44% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | AVESIS INSURANCE INCORPORATED | $621 | — | $621 | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC. | 1 WEST 4TH STREET, STE 1300 CINCINNATI, OH 45202 | AVESIS INSURANCE INCORPORATED | $521 | — | $521 | 3.83% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 177 | $999K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $44K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 226 | $1.0M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 331 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 177 | $999K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 331 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.