| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN INS AGENCY, LLC | 9171 TOWNE CENTRE DRIVE SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $18K | $0 | $18K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.22% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | ARIZONA EYECARE ALLIANCE | $7K | — | $7K | 10.00% |
| KAREN MARIE JONES3 | 16211 NORTH SCOTTSDALE ROAD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $2K | $15 | $2K | 3.58% |
| RANDY DOPITA AND OTHER AGENTS3 | 930 EAST CHERYL DRIVE PHOENIX, AZ 85020 | AFLAC | $1K | $14 | $1K | 2.51% |
| GCG FINANCIAL LLC3 Filed as: BENE COMM GRP, AN ALERA GRP ACY LLC | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | AFLAC | $680 | $0 | $680 | 1.19% |
| NANCY ELLEN CARLSON3 | 9506 WEST APPALOOSA DRIVE SUN CITY, AZ 85373 | AFLAC | $379 | $0 | $379 | 0.66% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-115 PEORIA, AZ 85383 | AFLAC | $313 | $15 | $328 | 0.57% |
| KIM J JONES3 Filed as: KIM J. JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $320 | $0 | $320 | 0.56% |
| SHAWN HOLTORF3 Filed as: SHAWN HOLTROF | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $261 | $0 | $261 | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $277 | — | $277 | 3.30% |
| TANISHA MORGAN4 | PO BOX 16372 PHOENIX, AZ 85011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $169 | $0 | $169 | 2.01% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $159 | $0 | $159 | 1.89% |
| LOVITT AND TOUCHE, INC.4 Filed as: LOVITT AND TOUCHE | 4703 EAST CAMP LOWELL DRIVE SUITE 101 TUCSON, AZ 85712 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.38% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES, INC. | 125 WEST 11TH STREET NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 0.36% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 395 | $241K |
| Vision(2 contracts, 2 carriers) | ARIZONA EYECARE ALLIANCE | 632 | $131K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $187K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $187K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $130K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.