| 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 | $40K | $69K | $109K | 7.27% |
| HERSHENBERG & STONE-WALSH INSURANCE3 Filed as: HERSHENBERG & STONE-WALSH INSU | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.36% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP LLC | 5020 EAST SHEA BOULEVARD SUITE SCOTTSDALE, AZ 85254 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.36% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| ALEXANDRA JACOBI3 | 2550 E ROSE GARDEN LN UITE 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.05% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 13.19% |
| MARYALYCE SKREE3 | 13418 W HYACINTH DR SUN CITY WEST, AZ 853754955 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.87% |
| KESIA CHANG3 | 1016 10TH WAY WEST PALM BEACH, FL 334076618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.23% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.15% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | $0 | $361 | 1.02% |
| LANCE D THORSON3 | 1721 12TH AVE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | $0 | $316 | 0.89% |
| JASON ELIJAH ANGEL3 | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.27% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| KESIA CHANG3 | 1016 10TH WAY WEST PALM BEACH, FL 334076618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ATLAS RISK MANAGEMENT GROUP LLC | 3967 E FICUS WAY GILBERT, AZ 85298 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.99% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-10 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.47% |
| HERSHENBERG & STONE-WALSH INSURANCE3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.14% |
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 | 464 | 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) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $1.5M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 257 | $106K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 257 | $106K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 257 | $106K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 257 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.