| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE FLOOR 9 PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $76K | $114K | 7.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.50% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP | 5020 EAST SHEA BLVD SUITE 200 SCOTTSDALE, AZ 85254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.00% |
| HERSHENBERG & STONE-WALSH INSURANCE3 Filed as: HERSHENBERG & STONE-WALSH INS | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.00% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $852 | — | $852 | 0.47% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.69% |
| AMANDA JACOBI3 | 2500 E ROSE GARDEN LN UNIT 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.47% |
| MARYALYCE SKREE3 | 13418 W HYACINTH DR SUN WEST, AZ 85375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.50% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 1.45% |
| KESIA CHANG3 Filed as: KESIA BRELAND | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | — | $630 | 1.35% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | — | $603 | 1.29% |
| LANCE D THORSON3 | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 1.07% |
| THE JACOBI GROUP LLC3 Filed as: THE JACOBI GROUP | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.43% |
| ANNA D BALDWIN3 Filed as: ANNA K. BALDWIN | 615 BRASELTON LN MYRTLE BEACH, SC 29588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.31% |
| JASON ELIJAH ANGEL3 | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP LLC | 3967 E. FICUS WAY GILBERT, AZ 85298 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.45% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C0103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.09% |
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 | 461 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 461 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 461 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 461 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $215K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $181K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $181K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.