| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | BANNER HEALTH AND AETNA HEALTH | $0 | $119K | $119K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | BANNER HEALTH AND AETNA HEALTH | $0 | $22K | $22K | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $14K | $0 | $14K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $3K | $0 | $3K | 1.64% |
| KAREN MARIE JONES3 | 16211 NORTH SCOTTSDALE ROAD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $4K | $138 | $4K | 4.49% |
| SHAWN HOLTORF3 Filed as: SHAWN HOLTORF & OTHER AGENTS | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $2K | $112 | $2K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | AFLAC | $2K | $0 | $2K | 2.22% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-115 PEORIA, AZ 85383 | AFLAC | $1K | $249 | $1K | 1.47% |
| NANCY ELLEN CARLSON3 | 9506 WEST APPALOOSA DRIVE SUN CITY, AZ 85373 | AFLAC | $963 | $124 | $1K | 1.26% |
| DAVID R LATTIMER3 Filed as: DAVID R. LATTIMER | 6605 NORTH 93RD AVENUE GLENDALE, AZ 85305 | AFLAC | $609 | $112 | $721 | 0.84% |
| KIM J JONES3 Filed as: KIM J. JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $429 | $0 | $429 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 14.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| LOVITT AND TOUCHE, INC.3 | UNKNOWN TUCSON, AZ 85712 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 7412539 LOS ANGELES, CA 90074 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.68% |
| MARTIN WILLIAM SPONG3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | ARIZONA EYECARE ALLIANCE | $8K | $0 | $8K | 17.91% |
| REID NELSON3 | PO BOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $4K | $0 | $4K | 8.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 3.45% |
| SANDRA HIGHSMITH & OTHER AGENTS3 | 9234 NORTH 32ND PLACE PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $32 | $449 | 1.15% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-115 PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $0 | $402 | 1.03% |
| KAREN MARIE JONES3 | 16211 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 0.72% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $106 | $248 | 0.64% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 8601 NORTH BLACK CANYON HIGHWAY SUITE 20 PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $0 | $242 | 0.62% |
| CHANDA MANSKE3 | 826 ANN MARIE CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $585 | $0 | $585 | 6.02% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $376 | $0 | $376 | 3.87% |
| TANISHA MORGAN4 | PO BOX 16372 PHOENIX, AZ 85011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $172 | $0 | $172 | 1.77% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES, INC. | 125 WEST 11TH STREET NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.32% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 314 | $2.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 417 | $261K |
| Vision(2 contracts, 2 carriers) | AFLAC | 424 | $132K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 207 | $194K |
| Short-term disability | AFLAC | 79 | $86K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 207 | $55K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 314 | $2.4M |
| Other(5 contracts, 5 carriers) | AFLAC | 207 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.