| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $77K | $105K | 6.79% |
| 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 | $16K | $981 | $17K | 18.79% |
| BLACK GOULD & ASSOC AZ3 | 3800 N. CENTRAL AVENUE FL 9 PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.53% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.63% |
| MARYALYCE SKREE3 | 13418 W HYACINTH DR SUN CITY WEST, AZ 85373 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| ALEXANDRA JACOBI3 | 6015 E CALLE MARITA CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.28% |
| DAVID R LATTIMAR3 | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $525 | — | $525 | 1.26% |
| ANNA K BALDWIN3 | 615 BRASELTON LN MYRTLE BEACH, SC 29588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $492 | — | $492 | 1.18% |
| THE JACOBI GROUP LLC3 Filed as: THE JACOBI GROUP | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | — | $380 | 0.91% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.60% |
| KEISHA BRELAND3 | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.58% |
| LANCE D THORSON3 | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.27% |
| JASON ELIJAH ANGEL3 | 5339 W. MOUNTAIN VIEW RD. GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.21% |
| THE JACOBI GROUP LLC3 Filed as: THE JACOBI GROUP | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.14% |
| ANNA KIRBY BALDWIN3 Filed as: ANNA K KIRBY | 615 BRASELTON LN MYRTLE BEACH, SC 29588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP LLC | 3967 E FICUS WAY GILBERT, AZ 85298 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | SUITE C-101 9420 E DOUBLETREE RANCH RD SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.38% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD STE 29 TEMPE, AZ 85282 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| BLACK GOULD & ASSOC AZ3 | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 12.94% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $82K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $92K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.