| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST., SUITE 1100 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $4K | $1K | $5K | 3.22% |
| CATHERINE DAVIS3 | 9160 E. LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $7K | $477 | $8K | 13.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $1K | — | $1K | 2.49% |
| ZAKERY HARLOW3 | 3204 N. ACADEMY BLVD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $1K | $96 | $1K | 2.12% |
| DANA OLIVIA KELDERMAN3 Filed as: DANA KELDERMAN | 8168 N. PEPPERSAUCE DR. TUCSON, AZ 85704 | AFLAC | $532 | $4 | $536 | 0.96% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $435 | $56 | $491 | 0.88% |
| KIMBERLY RODRIGUEZ3 | 37057 S. GAMBEL QUAIL DR. MARANA, AZ 85658 | AFLAC | $414 | — | $414 | 0.74% |
| TREVOR BRYAN DAVIS3 Filed as: TREVOR DAVIS | 9160 E. LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $304 | — | $304 | 0.54% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $251 | — | $251 | 0.45% |
| JOHN PATTON3 | 13497 EAGLE NEST CT CORONA, CA 92880 | AFLAC | $173 | $29 | $202 | 0.36% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N. ORACLE RD. 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $159 | — | $159 | 0.28% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 360 W HUBBARD ST APT 1105 CHICAGO, IL 60654 | AFLAC | $88 | — | $88 | 0.16% |
| MARK METTILLE3 Filed as: MARK WHEELER | 5344 E ACOMA DR. SCOTTSDALE, AZ 85254 | AFLAC | $68 | — | $68 | 0.12% |
| JACOB CARTER3 | 8916 E. ALDERPOINT WAY TUCSON, AZ 85730 | AFLAC | $65 | — | $65 | 0.12% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85454 | AFLAC | $64 | — | $64 | 0.11% |
| SCOTT WEBB3 | 12366 W MILTON DR. PEORIA, AZ 85383 | AFLAC | $53 | — | $53 | 0.09% |
| RACHEL DAY3 | 5533 E. 24TH STREET TUCSON, AZ 85711 | AFLAC | $45 | — | $45 | 0.08% |
| JACOB C ECHOLS3 Filed as: JACOB ECHOLS | 3850 E. BASELINE RD. SUITE 116 MESA, AZ 85206 | AFLAC | $44 | — | $44 | 0.08% |
| DONALD GREEN3 | 1611 W. PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $32 | — | $32 | 0.06% |
| FRANK NORTHRUP3 | 3501 N. FREEWAY RD 65 TUCSON, AZ 85705 | AFLAC | $29 | — | $29 | 0.05% |
| MICAHEL BRAUN3 | 1718 DEVOE DR. LINCOLN, NE 68506 | AFLAC | $27 | — | $27 | 0.05% |
| ERIC JOHNSON3 | 3850 E. BASELINE RD. 121 MESA, AZ 85206 | AFLAC | $22 | — | $22 | 0.04% |
| J A FERGUSON AND ASSOC INC3 Filed as: J A FERGUSON & ASSOC. INC. | 959 HERRONS FERRY RD. ROCK HILL, SC 29730 | AFLAC | $19 | — | $19 | 0.03% |
| JACK GATHINGS3 | 7235 S. GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $17 | — | $17 | 0.03% |
| SUSAN MULLIGAN3 | 818 S. MANN AVE TUCSON, AZ 85710 | AFLAC | $16 | — | $16 | 0.03% |
| PATRICIA ALMADA3 | 5685 E. BEVERLY STREET TUCSON, AZ 85711 | AFLAC | $15 | — | $15 | 0.03% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $14 | — | $14 | 0.03% |
| SHAWN HOLTORF3 | 5522 W. NOTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $13 | — | $13 | 0.02% |
| ESPENSCHIELD BUSINESS GROUP LLC3 | 7669 E. MILTON DR. SCOTTDALE, AZ 85266 | AFLAC | $10 | — | $10 | 0.02% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 4805 LAKE BROOK DR. SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $10 | — | $10 | 0.02% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $9 | — | $9 | 0.02% |
| APRIL L FARRELL3 Filed as: APRIL FARRELL | 4809 W. TULSA ST. CHANDLER, AZ 85226 | AFLAC | $7 | — | $7 | 0.01% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 1308 NATURE WALK BLVD. SW HUNTSVILLE, AL 35824 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR. | 3420 E. SHEA BLVD. SUITE 168 PHOENIX, AZ 85028 | AFLAC | $7 | — | $7 | 0.01% |
| MICAHEL G. GLADNICK3 | 3850 E. BASELINE RD. SUITE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| NATALIE MALHAM3 | 3850 E. BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| MULLIGAN BENEFITS LLC3 | 24654 N. LAKE PLEASANT PKWY 103-417 PEORIA, AZ 85363 | AFLAC | $5 | — | $5 | 0.01% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 6200 W. ROAN PLACE TUCSON, AL 85743 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN A DONALDSON3 Filed as: JOHN DONALDSON | 25211 GROGANS MILL RD SUITE 305 THE WOODLANDS, TX 77380 | AFLAC | $3 | — | $3 | 0.01% |
| JULIA ANN COAST3 Filed as: JULIA COAST | 1409 E. MALIBU DR. TEMPE, AL 85282 | AFLAC | $3 | — | $3 | 0.01% |
| SEAN BEYER3 | 7508 W. SHINNING AMBER LANE TUCSON, AZ 85743 | AFLAC | $1 | — | $1 | 0.00% |
| COURTNEY DAVIS3 | 1027 AGATE ST APT 3 SAN DIEGO, CA 92109 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV INC. | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV. INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV. INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | 700 W. 4TH ST SUITE 1100 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $308 | — | $308 | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $107K |
| JORGENSEN HEALTHCARE ASSOCIATES INC EIN 86-0687859 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $21K |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 550 | $166K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 550 | $180K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $67K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 110 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $32K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.