| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 NORTH 16TH STREET SUITE 100 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $22K | — | $22K | 3.09% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF ARIZONA | $9K | — | $9K | 1.26% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISORS LLC | 7901 NORTH 16TH STREET #100 PHOENIX, AZ 85020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 10.25% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.12% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $224K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $224K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $224K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 331 | $701K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 331 | $701K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $224K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.