| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF ARIZONA | $19K | $0 | $19K | 5.35% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | PRINCIPAL LIFE INSURANCE COMPANY | $659 | $32 | $691 | 10.14% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $279 | $279 | 4.09% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $394 | $0 | $394 | 15.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP PHOENIX | ROGERS BENEFIT GROUP PHOENIX, AZ 85018 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $163 | $163 | 6.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | BCBS OF ARIZONA PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $150 | $150 | 5.72% |
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 | 68 | 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) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 103 | $359K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 109 | $366K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $7K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 103 | $359K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.