| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC | 400 E RIVULON BLVD STE 116 GILBERT, AZ 85297 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 9.87% |
| GBS ARIZONA INC5 Filed as: GBS ARIZONA, INC | 801 NORTH 1ST AVENUE PHOENIX, AZ 85003 | AVESIS INSURANCE INCORPORATED | $7K | — | $7K | 10.05% |
| ARIZONA FEDERAL INS SOLUTIONS LLC3 | 1125 E SOUTHERN AVE STE 101 MESA, AZ 85204 | AFLAC | $291 | — | $291 | 2.55% |
| GLORIA GUERRA3 | 34212 N 23RD GLN PHOENIX, AZ 85085 | AFLAC | $221 | — | $221 | 1.93% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $200 | — | $200 | 1.75% |
| HEATHER B WILLIAMS3 | 1951 KINGSTREE CT ROCHESTER HILLS, MI 48309 | AFLAC | $88 | — | $88 | 0.77% |
| GARY J IRVIN3 | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $73 | — | $73 | 0.64% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | AFLAC | $72 | — | $72 | 0.63% |
| ORIN LEE WILLIAMS3 | 1951 KINGSTREE CT ROCHESTER HILLS, MI 48309 | AFLAC | $71 | — | $71 | 0.62% |
| GREGORY F STENZEL3 | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $49 | — | $49 | 0.43% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $47 | — | $47 | 0.41% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $46 | — | $46 | 0.40% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 E CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $30 | — | $30 | 0.26% |
| PREFERRED MARKETING CORP3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $28 | — | $28 | 0.25% |
| LAURA L HOWARD3 | 11434 W PICCADILLY RD AVONDALE, AZ 85392 | AFLAC | $17 | — | $17 | 0.15% |
| JEFFERY S GIBSON3 | 5061 MAGNOLIA GARDENS PL LEXINGTON, KY 40515 | AFLAC | $16 | — | $16 | 0.14% |
| NANCY ELLEN CARLSON3 | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $13 | — | $13 | 0.11% |
| RUSSELL M FERREE3 | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $9 | — | $9 | 0.08% |
| KRISTINE G WYCKOFF3 | 1417 S MAMER LN SPOKANE VALLEY, WA 99216 | AFLAC | $6 | — | $6 | 0.05% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | — | $6 | 0.05% |
| RANDY DOPITA3 | 930 E CHERYL DR PHOENIX, AZ 85020 | AFLAC | $5 | — | $5 | 0.04% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $4 | — | $4 | 0.04% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $4 | — | $4 | 0.04% |
| BRYAN G CORBIN LLC3 | 18625 PILKINGTON RD LAKE OSWEGO, OR 97035 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $1 | — | $1 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | 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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AVESIS INSURANCE INCORPORATED | 1,243 | $67K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 696 | $589K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 696 | $589K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 696 | $578K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 696 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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.