| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | BCBS OF AIRZONA PHOENIX, AZ 85021 | EQUITABLE | $299 | — | $299 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN AND BROWN OF WA EIN 91-0378940 NONE | Direct payment from the plan; Consulting (general); Insurance brokerage commissions and fees; Insurance agents and brokers Service code 16 | — | $143K |
| VIMLY BENEFIT SOLUTIONS EIN 91-1603312 NONE | Plan Administrator; Contract Administrator; Direct payment from the plan Service code 13 | — | $27K |
| MEDICAL SOCIETY HEALTHCARE TRUST NONE | Direct payment from the plan; Other services Service code 49 | 2401 W PEORIA AVE STE 315 PHOENIX, AZ 85029 | $21K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 313 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 313 | $1.2M |
| Vision | VISION SERVICE PLAN | 30 | $2K |
| Life insurance | EQUITABLE | 329 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 313 | $1.2M |
| Other | EQUITABLE | 329 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.