| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 700 W 47TH ST SUITE 1100 KANSAS CITY, ME 64112 | AMERITAS LIFE INSURANCE CORP | $5K | $2K | $7K | 3.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $912 | $12K | 21.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $930 | $11K | 21.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $634 | $6K | 11.29% |
| KIMBERLY RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $5K | $130 | $5K | 12.18% |
| RACHEL DAY3 | 5533 E 24TH STREET TUCSON, AZ 85711 | AFLAC | $2K | $7 | $2K | 4.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | 160 W SANTA CLARA ST SUITE 450 SAN JOSE, CA 95113 | AFLAC | $2K | $100 | $2K | 4.01% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $2K | — | $2K | 3.77% |
| NADIA ANDRE3 | 12880 W. SHERIDAN ST AVONDALE, AZ 85392 | AFLAC | $1K | — | $1K | 3.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 85263 | AFLAC | $1K | — | $1K | 2.42% |
| TREVOR BRYAN DAVIS3 | 9160 E. LOMA LINDA PL. TUCSON, AZ 85749 | AFLAC | $1K | $1 | $1K | 2.28% |
| WILLIAM TODD KEYS3 | 2429 CLARKE PLZ LAKE HAVASU CITY, AZ 86403 | AFLAC | $602 | — | $602 | 1.36% |
| LAUREL L HARLOW3 Filed as: LAUREL L. HARLOW | 6200 W. ROAN PL. TUCSON, AZ 85743 | AFLAC | $356 | $6 | $362 | 0.82% |
| ZAKERY ALLEN HARLOW3 | 3204 N. ACADEMY BLVD. SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $323 | $23 | $346 | 0.78% |
| ALICIA MOISES3 Filed as: ALICIA BECERRA MOISES | PO BOX 30041 TUCSON, AZ 85751 | AFLAC | $241 | $9 | $250 | 0.56% |
| MARGARET WRIGHT3 | 7049 E. TANQUE VERDE RD. SUITE 114 TUCSON, AZ 85715 | AFLAC | $198 | — | $198 | 0.45% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 3755 NORTH BUSINESS CENTER DR. SUITE 4 TUCSON, AZ 85705 | AFLAC | $132 | $16 | $148 | 0.33% |
| CATHERINE DAVIS3 | 9160 E. LOMA LINDA PL. TUCSON, AZ 85749 | AFLAC | $138 | — | $138 | 0.31% |
| JARCEY RAUL RODRIGUEZ3 | 202 S. 1ST AVE SUITE 108 YUMA, AZ 85364 | AFLAC | $84 | — | $84 | 0.19% |
| RICK M MCKINNEY3 Filed as: RICK MCKINNEY | PO BOX 26132 COLORADO SPRINGS, CO 80936 | AFLAC | $84 | — | $84 | 0.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $76 | — | $76 | 0.17% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $59 | — | $59 | 0.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $36 | — | $36 | 0.08% |
| SCOTT WEBB3 | 2155 W. PINNACLE PEAK RD. SUITE 205 PHOENIX, AZ 85027 | AFLAC | $31 | — | $31 | 0.07% |
| JENNIFER GOOCH3 | 4897 W. HURSTON DR. TUCSON, AZ 85742 | AFLAC | $24 | — | $24 | 0.05% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $22 | — | $22 | 0.05% |
| ZAKERY ALLEN HARLOW3 | 3755 N. BUSINESS CENTER RD. TUCSON, AZ 85705 | AFLAC | $21 | — | $21 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $17 | — | $17 | 0.04% |
| ASPEN COVE-DASTRUP INSURANCE INC3 Filed as: ASPEN COVE INSURANCE INC. | 4844 N 300 W STE 100 PROVO, UT 84604 | AFLAC | $12 | — | $12 | 0.03% |
| PATRICIA ALMADA3 Filed as: PATRICIA BOWMAN ALMADA | 5685 E. BEVERLY STREET TUCSON, AZ 85711 | AFLAC | $9 | — | $9 | 0.02% |
| JACK GATHINGS3 | 7235 S. GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $8 | — | $8 | 0.02% |
| LESLIE J BAILEY3 Filed as: LESLIE BAILEY | 4234 N. PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $7 | — | $7 | 0.02% |
| GLEN DOUGLAS GABLE3 | 3521 S. CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $6 | — | $6 | 0.01% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 360 W. HUBBARD ST. APT 1105 CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.01% |
| SHAWN HOLTORF3 | 5522 W. NORTHWOOD DR. GLENDALE, AZ 85310 | AFLAC | $5 | — | $5 | 0.01% |
| DONALD GREEN3 | 1611 W. PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 4805 LAKE BROOK DR. SUITE 220 GLENALLEN, VA 23060 | AFLAC | $4 | — | $4 | 0.01% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $4 | — | $4 | 0.01% |
| JUSTIN WAYNE ECHOLS3 | PO BOX 1283 THATCHER, AZ 85552 | AFLAC | $4 | — | $4 | 0.01% |
| MARSHA L ECHOLS3 Filed as: MARSHA ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR. | 3420 E. SHEA BLVD. SUITE 168 PHOENIX, AZ 85028 | AFLAC | $3 | — | $3 | 0.01% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. | 14300 N. NORTHSIGHT BLVD. SCOTTSDALE, AZ 85260 | AFLAC | $3 | — | $3 | 0.01% |
| EXEL IVAN CARABALLO JR3 Filed as: EXEL IVAN CARABALLO JR. | 2329 E. BOWKER ST. PHOENIX, AZ 85040 | AFLAC | $3 | — | $3 | 0.01% |
| PAMELA UTTER3 | 7750 W. BOCA RATON RD PEORIA, AZ 85381 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N. SONORAN HILLS MESA, AZ 85207 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 3850 E. BASELINE RD. SUITE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.00% |
| NATALIE MALHAM3 | 3850 E. BASELINE RD. SUITE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.00% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $2 | — | $2 | 0.00% |
| TOM KOCH3 | 1800 NE 48TH CT. FT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE SUITE C107 PHOENIX, AZ 85051 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT LABONTE3 | 1659 W. SAN REMO ST. GILBERT, AZ 85233 | AFLAC | $2 | — | $2 | 0.00% |
| BABARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD. SW HUNTSVILLE, AL 35824 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3060 W. CALLE LUCINDA TUCSON, AZ 85741 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 4.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $472 | $4K | 11.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $125K |
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 | 875 | 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) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 875 | $218K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 875 | $260K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 494 | $91K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 494 | $49K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 494 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.