| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 EAST CAMELBACK ROAD, SUITE 420 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $14K | — | $14K | 6.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 5.82% |
| MJ INSURANCE3 Filed as: MICHAEL GLADNICK AND VARIOUS AGENTS | 16579 NORTH 109TH PLACE SCOTTSDALE, AZ 85255 | AFLAC | $366 | $0 | $366 | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK & GOULD | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | AFLAC | $141 | $0 | $141 | 1.97% |
| JAMES TOPE3 | 19415 TIMBER RIDGE DRIVE MAGNOLIA, TX 77355 | AFLAC | $75 | $0 | $75 | 1.05% |
| KATHRYN ANDERSON3 | 4336 EAST MORNING VISTA LANE CAVE CREEK, AZ 85331 | AFLAC | $64 | $0 | $64 | 0.89% |
| NATALIE MALHAM3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | AFLAC | $63 | $0 | $63 | 0.88% |
| KEREN DELAUNE3 | 175 SOUTH HALL DRIVE SUGAR LAND, TX 77478 | AFLAC | $50 | $0 | $50 | 0.70% |
| VICTOR G LEWIS3 Filed as: VICTOR LEWIS | 1860 FM 359 ROAD 207 RICHMOND, TX 77406 | AFLAC | $48 | $0 | $48 | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $123 | — | $123 | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $149 | $0 | $149 | 12.56% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 93 | $231K |
| Dental | DELTA DENTAL OF ARIZONA | 241 | $40K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 232 | $6K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 10 | $1K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 93 | $231K |
| Other(2 contracts, 2 carriers) | AFLAC | 187 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.