| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC5 Filed as: GBS ARIZONA, INC | 2333 WEST UNIVERSITY DRIVE TEMPE, AZ 85281 | AVESIS INSURANCE INCORPORATED | $5K | — | $5K | 10.00% |
| ARIZONA FEDERAL INS SOLUTIONS LLC3 | 1125 E SOUTHERN AVE STE 101 MESA, AZ 85204 | AFLAC | $508 | — | $508 | 2.28% |
| GLORIA GUERRA3 | 34212 N 33RD GLN PHOENIX, AZ 85085 | AFLAC | $445 | — | $445 | 2.00% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $266 | — | $266 | 1.19% |
| HEATHER B WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $179 | — | $179 | 0.80% |
| GARY J IRVIN3 | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $156 | — | $156 | 0.70% |
| ORIN LEE WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $116 | — | $116 | 0.52% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 85016 | AFLAC | $106 | — | $106 | 0.48% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD A6A PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $104 | — | $104 | 0.47% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON RM 305 MEXICO, MO 65265 | AFLAC | $98 | — | $98 | 0.44% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $84 | — | $84 | 0.38% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 E CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $78 | — | $78 | 0.35% |
| JEFFEREY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $44 | — | $44 | 0.20% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $44 | — | $44 | 0.20% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $44 | — | $44 | 0.20% |
| CRUSADER INSURANCE INC3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $42 | — | $42 | 0.19% |
| BRYAN G CORBIN LLC3 | 17 WESTRIDGE DR LAKE OSWEGO, OR 97034 | AFLAC | $39 | — | $39 | 0.17% |
| RANDY DOPITA3 | 16211 N SCOTTSDALE RD STE A6A # 614 SCOTTSDALE, AZ 85254 | AFLAC | $36 | — | $36 | 0.16% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $29 | — | $29 | 0.13% |
| DONALD MARTIN RIEGER3 | 1090 KELVIN RD EL SOBRANTE, CA 94803 | AFLAC | $28 | — | $28 | 0.13% |
| WILLIAM J BALL III3 | 9 STOUTENBURG DR NORWALK, OH 44857 | AFLAC | $24 | — | $24 | 0.11% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $20 | — | $20 | 0.09% |
| KEVIN HOWLAND3 | 8050 BARTON RD GRANITE BAY, CA 95746 | AFLAC | $18 | — | $18 | 0.08% |
| LAURA L HOWARD3 | 11434 W PICCADILLY RD AVONDALE, AZ 85392 | AFLAC | $17 | — | $17 | 0.08% |
| NANCY ELLEN CARLSON3 | 17434 N PARADISE PARK DR PHOENIX, AZ 85032 | AFLAC | $13 | — | $13 | 0.06% |
| RUSSELL M FERREE3 | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $9 | — | $9 | 0.04% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $6 | — | $6 | 0.03% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $4 | — | $4 | 0.02% |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $1 | — | $1 | 0.00% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $1 | — | $1 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AVESIS INSURANCE INCORPORATED | 901 | $47K |
| Life insurance | AFLAC | 31 | $22K |
| Short-term disability | AFLAC | 31 | $22K |
| Other | AFLAC | 31 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.