| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARIZONA | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.32% |
| ALEXANDRA JACOBI3 Filed as: ALEXANDRA C. DIBIASILLC | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.59% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M. GUTHRIE | 14227 NORTH 14TH STREET PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $716 | $0 | $716 | 1.02% |
| RYAN KADAVY3 | 8542 WEST FOOTHILL DRIVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | $0 | $462 | 0.66% |
| ALFREDO N VARGAS3 Filed as: ALFREDO N. VARGAS | 3404 WEST CHERYL DRIVE, SUITE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.11% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 PHOENIX, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.03% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA A. PAPADOPOLO SCHOFIELD | 910 WEST KATHLEEN ROAD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 451 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.