| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC | 2333 W UNIVERSITY DRIVE, SUITE C-10 TEMPE, AZ 85281 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 10.00% |
| 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 | $443 | — | $443 | 2.21% |
| GLORIA GUERRA3 | 34212 N 23RD GLN PHOENIX, AZ 85085 | AFLAC | $367 | — | $367 | 1.83% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $259 | — | $259 | 1.29% |
| HEATHER B WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $168 | — | $168 | 0.84% |
| GARY J IRVIN3 | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $133 | — | $133 | 0.66% |
| ORIN LEE WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $111 | — | $111 | 0.55% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $107 | — | $107 | 0.53% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | AFLAC | $101 | — | $101 | 0.50% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $84 | — | $84 | 0.42% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINSVILLE, TX 76240 | AFLAC | $71 | — | $71 | 0.35% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 E CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $61 | — | $61 | 0.30% |
| PREFERRED MARKETING CORP3 Filed as: PREFERRED MARKETING GROUP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $43 | — | $43 | 0.21% |
| JEFFERY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $42 | — | $42 | 0.21% |
| BRYAN G CORBIN LLC3 | 695 SW HAMPTON RD STE 260 TIGARD, OR 97223 | AFLAC | $41 | — | $41 | 0.20% |
| CRUSADER INSURANCE INC3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $39 | — | $39 | 0.19% |
| RANDY DOPITA3 | 16211 N SCOTTSDALE RD STE A6A #614 SCOTTSDALE, AZ 85254 | AFLAC | $36 | — | $36 | 0.18% |
| DONALD MARTIN RIEGER3 | 1090 KELVIN RD EL SOBRANTE, CA 94803 | AFLAC | $30 | — | $30 | 0.15% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $24 | — | $24 | 0.12% |
| KEVIN HOWLAND3 | 8050 BARTON RD GRANITE BAY, CA 95746 | AFLAC | $19 | — | $19 | 0.09% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $17 | — | $17 | 0.08% |
| LAURA L HOWARD3 | 11435 W PICCADILLY RD AVONDALE, AZ 85392 | AFLAC | $17 | — | $17 | 0.08% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $15 | — | $15 | 0.07% |
| NANCY ELLEN CARLSON3 | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $14 | — | $14 | 0.07% |
| RUSSELL M FERREE3 | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $10 | — | $10 | 0.05% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $7 | — | $7 | 0.03% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $4 | — | $4 | 0.02% |
| JEFFERY S GIBSON3 | 4030 TATES CREEK RD, APT 1004 LEXINGTON, KY 40517 | AFLAC | $4 | — | $4 | 0.02% |
| WILLIAM J BALL III3 | 9 STOUTENBURG DR NORWALK, OH 44857 | AFLAC | $3 | — | $3 | 0.01% |
| 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 | $2 | — | $2 | 0.01% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | 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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AVESIS INSURANCE INCORPORATED | 918 | $49K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $334K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $334K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $314K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 544 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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.