| 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 | $36K | — | $36K | 10.05% |
| 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 | $371 | — | $371 | 2.19% |
| GLORIA GUERRA3 | 34212 N 23RD GLN PHOENIX, AZ 85085 | AFLAC | $316 | — | $316 | 1.87% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $230 | — | $230 | 1.36% |
| HEATHER B WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $154 | — | $154 | 0.91% |
| GARY J IRVIN3 | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $112 | — | $112 | 0.66% |
| ORIN LEE WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $101 | — | $101 | 0.60% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | AFLAC | $92 | — | $92 | 0.54% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $70 | — | $70 | 0.41% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $70 | — | $70 | 0.41% |
| GREGORY F STENZEL3 | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $62 | — | $62 | 0.37% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 E CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $40 | — | $40 | 0.24% |
| PREFERRED MARKETING CORP3 Filed as: PREFERRED MARKETING GROUP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $39 | — | $39 | 0.23% |
| BRYAN G CORBIN LLC3 | 695 SW HAMPTON RD STE 260 TIGARD, OR 97223 | AFLAC | $37 | — | $37 | 0.22% |
| CRUSADER INSURANCE INC3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $32 | — | $32 | 0.19% |
| JEFFERY S GIBSON3 | 4030 TATES CREEK RD, APT 1004 LEXINGTON, KY 40517 | AFLAC | $30 | — | $30 | 0.18% |
| DONALD MARTIN RIEGER3 | 1090 KELVIN RD EL SOBRANTE, CA 94803 | AFLAC | $26 | — | $26 | 0.15% |
| RANDY DOPITA3 | 16211 N SCOTTSDALE RD STE A6A #614 SCOTTSDALE, AZ 85254 | AFLAC | $21 | — | $21 | 0.12% |
| LAURA L HOWARD3 | 11435 W PICCADILLY RD AVONDALE, AZ 85392 | AFLAC | $17 | — | $17 | 0.10% |
| KEVIN HOWLAND3 | 8050 BARTON RD GRANITE BAY, CA 95746 | AFLAC | $16 | — | $16 | 0.09% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $15 | — | $15 | 0.09% |
| NANCY ELLEN CARLSON3 | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $12 | — | $12 | 0.07% |
| KIMBERLY WEBB3 | 17165 W. MOUNTAINAIR ST SURPRISE, AZ 85388 | AFLAC | $11 | — | $11 | 0.06% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $10 | — | $10 | 0.06% |
| JOAN FERREE3 | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $10 | — | $10 | 0.06% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $6 | — | $6 | 0.04% |
| 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 | $1 | — | $1 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $1 | — | $1 | 0.01% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | 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 | 568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AVESIS INSURANCE INCORPORATED | 1,102 | $53K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 554 | $373K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 554 | $373K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 554 | $356K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 554 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,102 | — |
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.