| 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 | $25K | $0 | $25K | 5.11% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | PRINCIPAL LIFE INSURANCE COMPANY | $649 | $35 | $684 | 9.97% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $274 | $274 | 4.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOCIATION | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.54% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $447 | $0 | $447 | 14.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN MESA, AZ 85206 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $149 | $149 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP PHOENIX | UNKNOWN MESA, AZ 85206 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $149 | $149 | 5.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $489K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $489K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $7K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $3K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 114 | $489K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.