| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | BLUE CROSS BLUE SHIELD OF ARIZONA | $20K | — | $20K | 3.71% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF ARIZONA | $7K | — | $7K | 1.42% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPARTMENT 999228 P.O. BOX 173850 DENVER, CO 802170385 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.30% |
| DUSTIN B JOHNSON3 | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | AFLAC | $382 | — | $382 | 3.03% |
| JEFFREY A KLEINMAN SR3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $358 | — | $358 | 2.84% |
| JACOB C ECHOLS3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $344 | — | $344 | 2.73% |
| ROSLYN M KLEINMAN3 | 33802 NORTH 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $175 | — | $175 | 1.39% |
| DAVID R LATTIMER3 | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | AFLAC | $80 | $15 | $95 | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CELESTE BROWN | 4521 WEST SWEETWATER AVENUE GLENDALE, AZ 85304 | AFLAC | $53 | $38 | $91 | 0.72% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 NORTH 14TH STREET PHOENIX, AZ 85022 | AFLAC | $85 | — | $85 | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 NORTH HARDWOOD STREET SUITE 2500 DALLAS, TX 75201 | AFLAC | $70 | — | $70 | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | AFLAC | $67 | — | $67 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC. | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 85004 | AFLAC | $57 | — | $57 | 0.45% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY JOHNSON & ASSOCIATES INC. | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | AFLAC | $36 | — | $36 | 0.29% |
| J A FERGUSON AND ASSOC INC3 Filed as: J A FERGUSON & ASSOCIATES INC. | 959 HERRONS FERRY ROAD ROCK HILL, SC 29730 | AFLAC | $36 | — | $36 | 0.29% |
| ERIC JOHNSON3 Filed as: ERIC M JOHNSON | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | AFLAC | $35 | — | $35 | 0.28% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT T ECHOLS | P.O. BOX 594 THATCHER, AZ 85552 | AFLAC | $20 | — | $20 | 0.16% |
| SCOTT WEBB3 | 26729 NORTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $19 | — | $19 | 0.15% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 WEST PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $19 | — | $19 | 0.15% |
| NATALIE MALHAM3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | AFLAC | $17 | — | $17 | 0.13% |
| MARSHA L ECHOLS3 | P.O. BOX 594 THATCHER, AZ 85552 | AFLAC | $14 | — | $14 | 0.11% |
| JAMES HUNT3 Filed as: JAMES K HUNT | 15010 NORTH 61ST PLACE SCOTTSDALE, AZ 85254 | AFLAC | $13 | — | $13 | 0.10% |
| CHRISTOPHER M CAWLEY3 | 1894 WEST MOCKINGBIRD DRIVE CHANDLER, AZ 85286 | AFLAC | $11 | — | $11 | 0.09% |
| JOETTA KAY PAGE3 | P.O. BOX 307 CORNVILLE, AZ 86325 | AFLAC | $9 | — | $9 | 0.07% |
| CLAUDIA L FELDMAN3 | 9037 EAST CASITAS DEL RIO DRIVE SCOTTSDALE, AZ 85255 | AFLAC | $7 | — | $7 | 0.06% |
| JOHN W HAYWARD3 | 4159 EAST VAUGHN AVENUE GILBERT, AZ 85234 | AFLAC | $7 | — | $7 | 0.06% |
| WAKHAM ENTERPRISES INC3 Filed as: WAKHAM ENTERPRISES INC. | 168 SOUTH QUARTZ STREET GILBERT, AZ 85296 | AFLAC | $6 | — | $6 | 0.05% |
| PREFERRED MARKETING CORP3 | 744 EAST DENIM TRAIL SAN TAN VALLEY, AZ 85143 | AFLAC | $5 | — | $5 | 0.04% |
| RAYMOND J. MULLIGAN3 Filed as: RAYMOND J MULLIGAN | 8765 WEST KELTON LANE BUILDING B1 PEORIA, AZ 85382 | AFLAC | $4 | — | $4 | 0.03% |
| GLEN DOUGLAS GABLE3 | 3521 S CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $4 | — | $4 | 0.03% |
| JOHNNY P READING3 | 634 EAST MELODY DRIVE GILBERT, AZ 85234 | AFLAC | $4 | — | $4 | 0.03% |
| MICHAEL G GLADNICK3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.02% |
| NATALIE MALHAM3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFERY S GIBSON3 | 3009 HUNTON COTTAGE LANE GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3989 WEST ORANGEWOOD DRIVE TUCSON, AZ 85741 | AFLAC | $2 | — | $2 | 0.02% |
| SHAWN HOLTORF3 | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $2 | — | $2 | 0.02% |
| GREGORY F STENZEL3 | 1249 KIOWA DRIVE WEST GAINESVILLE, TX 76240 | AFLAC | $2 | — | $2 | 0.02% |
| MULLIGAN BENEFITS LLC3 | 24654 NORTH LAKE PLEASANT PARKWAY 103-417 PEORIA, AZ 85383 | AFLAC | $1 | — | $1 | 0.01% |
| LAUREL L HARLOW3 | 6200 WEST ROAN PLACE TUCSON, AZ 85743 | AFLAC | $1 | — | $1 | 0.01% |
| CHAD P SCHNEIDER3 | 1 WEST SUPERIOR STREET APARTMENT 1301 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 NORTH NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NW SUITE G HUNTSVILLE, AL 35805 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 3420 EAST SHEA BOULEVARD SUITE 168 PHOENIX, AZ 85028 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY S GIBSON3 | 4805 LAKE BROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | AFLAC | $1 | — | $1 | 0.01% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $527K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $60K |
| Vision | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $527K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $527K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.