| 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 850121979 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $27K | $45K | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $3K | $51K | 7.99% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP LLC | 5020 EAST SHEA BOULEVARD SUITE 200 SCOTTSDALE, AZ 85254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.55% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.00% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.17% |
| ALEXANDRA JACOBI3 | 2550 E ROSE GARDEN LN UNIT 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 24.69% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 16.04% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.10% |
| JASON ELIJAH ANGEL3 | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $738 | $0 | $738 | 3.65% |
| KESIA CHANG3 | 1732 S CONGRESS AVE #207 PALM SPRINGS, FL 33461 | CONTINENTAL AMERICAN INSURANCE COMPANY | $592 | $0 | $592 | 2.93% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | $0 | $267 | 1.32% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 469 | $1.3M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 469 | $1.3M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 469 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $99K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $99K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $99K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.