| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $77K | $94K | 6.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $23K | $26K | 1.84% |
| JEREMY M SKEETERS3 Filed as: JEREMY SKEETERS | 9830 WEST JJ RANCH ROAD PEORIA, AZ 85383 | AFLAC | $23K | $3K | $25K | 17.06% |
| PATRICIA THOMPSON AND OTHER AGENTS3 | 3499 NORTH EMERALD CREEK DRIVE FLORENCE, AZ 85132 | AFLAC | $4K | $425 | $5K | 3.07% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 4910 COPORATE DRIVE NW, SUITE G HUNTSVILLE, AL 35805 | AFLAC | $2K | $525 | $3K | 1.71% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 11620 NORTH 39TH STREET PHOENIX, AZ 85028 | AFLAC | $2K | $0 | $2K | 1.19% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | AFLAC | $1K | $0 | $1K | 0.93% |
| RAYMOND MULLIGAN3 | 8765 WEST KELTON LANE BUILDING B1 PEORIA, AZ 85382 | AFLAC | $619 | $0 | $619 | 0.41% |
| MARIA MULLIGAN3 | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-417 PEORIA, AZ 85383 | AFLAC | $605 | $0 | $605 | 0.40% |
| LEAVITT GROUP3 | 2333 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.45% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 178 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $1.6M |
| Short-term disability | AFLAC | 154 | $149K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 575 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.