| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS LLC | 3414 E. BARBARITA AVE GILBERT, AZ 85234 | BLUE CROSS BLUE SHIELD OF ARIZONA | $57K | — | $57K | 5.50% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS INC. | 1850 N CENTRAL AVE, STE 2000 PHOENIX, AZ 85004 | BLUE CROSS BLUE SHIELD OF ARIZONA | $12K | — | $12K | 1.14% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | $1K | $29K | 4.28% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 9.96% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.08% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | ATTN DAVID SMITH PHOENIX, AZ 85034 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $772 | $772 | 1.22% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 9.38% |
| INSURANCE BENEFIT ADVISORS3 | 22239 S 118TH STREET CHANDLER, AZ 85249 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $4K | — | $4K | 8.33% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $350 | — | $350 | 6.51% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $60 | — | $60 | 1.12% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $50 | — | $50 | 0.93% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $45 | — | $45 | 0.84% |
| GTS INC3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $28 | — | $28 | 0.52% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $24 | — | $24 | 0.45% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $22 | — | $22 | 0.41% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $14 | — | $14 | 0.26% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $11 | — | $11 | 0.20% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $11 | — | $11 | 0.20% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.15% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.02% |
| STEPHEN KELLS3 | 1026 BALDWIN LN OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.02% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $403 | — | $403 | 10.51% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 4.51% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $47 | — | $47 | 2.07% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $36 | — | $36 | 1.59% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $32 | — | $32 | 1.41% |
| DONNA DUNKER ACKMAN3 | 1420 S PLYMOUTH CT CHICAGO, IL 60605 | AFLAC | $29 | — | $29 | 1.28% |
| DENISE J LONGTIN3 | 1975 E COURT ST APT 110A KANKAKEE, IL 60901 | AFLAC | $22 | — | $22 | 0.97% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $19 | — | $19 | 0.84% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $10 | — | $10 | 0.44% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.09% |
| RAWLYN R ROSS3 | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $1 | — | $1 | 0.04% |
| STEPHEN KELLS3 | 1026 BALDWIN LN OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.04% |
| LISA MARIE QUISENBERRY3 | 801 S SHUMARD DR STILLWATER, OK 74074 | AFLAC | $1 | — | $1 | 0.04% |
| ANTHONY TRISTANO3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $108 | — | $108 | 4.94% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $54 | — | $54 | 2.47% |
| DANIEL E ELLIS3 | 201 S MAPLE AVE APT 104 OAK PARK, IL 60302 | AFLAC | $17 | — | $17 | 0.78% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $12 | — | $12 | 0.55% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $9 | — | $9 | 0.41% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $8 | — | $8 | 0.37% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $4 | — | $4 | 0.18% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.05% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.05% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $90 | — | $90 | 6.64% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $48 | — | $48 | 3.54% |
| JOSHU J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $24 | — | $24 | 1.77% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $14 | — | $14 | 1.03% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.22% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $1 | — | $1 | 0.07% |
| STEPHEN KELLS3 | 1026 BALDWIN LN OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.07% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $76 | — | $76 | 6.72% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $22 | — | $22 | 1.95% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $15 | — | $15 | 1.33% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $6 | — | $6 | 0.53% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.18% |
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 | 244 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $1.7M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $93K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 208 | $90K |
| Short-term disability(6 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $76K |
| Long-term disability(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 208 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $1.0M |
| Other(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 208 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.