| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF ARIZONA | $34K | $0 | $34K | 5.21% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | PRINCIPAL LIFE INSURANCE COMPANY | $921 | $80 | $1K | 9.75% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS, LTD | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $411 | $411 | 4.01% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $559 | $0 | $559 | 14.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $186 | $186 | 4.99% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP PHOENIX | UNKNOWN SEATTLE, WA 98101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $186 | $186 | 4.99% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 156 | $655K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 156 | $655K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $10K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 151 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 156 | $655K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 151 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.