| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $75K | $0 | $75K | 4.82% |
| CHARLES DEVLIN3 | 6002 EAST YUCCA ST SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $194 | $0 | $194 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | PRUDENTIAL INSURANCE CO OF AMERICA | $12K | $0 | $12K | 7.50% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVE #1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE CO OF AMERICA | $0 | $64 | $64 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE CO | $9K | $0 | $9K | 6.00% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N SCOTTSDALE ROAD A61 #614 SCOTTSDALE, AZ 85254 | AFLAC | $12K | $634 | $13K | 10.77% |
| RANDY DOPITA3 | 16211 N SCOTTSDALE RD #A6A #614 SCOTTSDALE, AZ 85254 | AFLAC | $3K | $249 | $3K | 2.48% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $2K | $196 | $3K | 2.26% |
| NANCY ELLEN CARLSON3 Filed as: NANCY CARLSON | 17434 N PARADISE PARK DR PHOENIX, AZ 85032 | AFLAC | $2K | $83 | $2K | 1.92% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 3420 E SHEA BLVD #168 PHOENIX, AZ 85028 | AFLAC | $2K | $196 | $2K | 1.64% |
| KIM J JONES3 Filed as: KIM JONES | P O BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $955 | $8 | $963 | 0.82% |
| SHAWN HOLTORF3 | 6234 W DEHREND DR APT 1135 GLENDALE, AZ 85308 | AFLAC | $880 | $0 | $880 | 0.75% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD #380 PHOENIX, AZ 85027 | AFLAC | $406 | $155 | $561 | 0.48% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N 87TH ST #313 SCOTTSDALE, AZ 85260 | AFLAC | $179 | $0 | $179 | 0.15% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $70 | $0 | $70 | 0.06% |
| JASON ELIJAH ANGEL3 Filed as: JASON ANGEL | 1600 N ARIZONA AVE APT 1121 CHANDLER, AZ 85225 | AFLAC | $65 | $0 | $65 | 0.06% |
| ORIN LEE WILLIAMS3 Filed as: ORIN WILLIAMS | 5467 E WOODSTOCK RD CAVE CREEK, AZ 85331 | AFLAC | $50 | $0 | $50 | 0.04% |
| TOD R HANN3 Filed as: TOD HANN | 16211 N SCOTTSDALE RD #A6A 614 SCOTTSDALE, AZ 85254 | AFLAC | $30 | $5 | $35 | 0.03% |
| RUSSELL M FERREE3 Filed as: RUSSELL FERREE | 14697 W EDGEMONT AVE GOODYEAR, AZ 85395 | AFLAC | $27 | $0 | $27 | 0.02% |
| DONNA CHITWOOD3 | 225 S COTTONWOOD RANCH RD COTTONWOOD, AZ 86326 | AFLAC | $22 | $0 | $22 | 0.02% |
| SEAN MICHAEL PFEIFFER3 Filed as: SEAN PFEIFFER | 3405 WATERVIEW TRAIL ROCKWALL, TX 75087 | AFLAC | $20 | $0 | $20 | 0.02% |
| PREFERRED MARKETING CORP3 Filed as: PREFERRED MARKETING GROUP | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $14 | $0 | $14 | 0.01% |
| WILLIAM J SHARP3 Filed as: WILLIAM SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $11 | $0 | $11 | 0.01% |
| GREGORY STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $9 | $0 | $9 | 0.01% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 6 E ASPEN #200 FLAGSTAFF, AZ 86001 | AFLAC | $9 | $0 | $9 | 0.01% |
| MARK HILL3 | P O BOX 85715 TUCSON, AZ 85754 | AFLAC | $8 | $0 | $8 | 0.01% |
| CATHERINE DAVIS3 | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $8 | $0 | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 100 W WASHINGTON ST FL 4 PHOENIX, AZ 85003 | AFLAC | $6 | $0 | $6 | 0.01% |
| TOM KOCH3 | 34 TAMARRON CLIFFS ST LAS VEGAS, NV 89148 | AFLAC | $6 | $0 | $6 | 0.01% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $2 | $0 | $2 | 0.00% |
| MISC BROKERS - COLONIAL LIFE INS3 Filed as: MISC BROKERS | — | AFLAC | $2 | $0 | $2 | 0.00% |
| SCOTT WOOD3 | BENEFIT COMMERCE GROUP 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | VISION CARE DIRECT | $6K | — | $6K | 10.00% |
| REID NELSON3 | P.O. BOX 30789 MESA, AZ 85275 | VISION CARE DIRECT | $3K | — | $3K | 4.91% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PL PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $488 | $0 | $488 | 4.14% |
| BILL HIGHSMITH3 | 9234 N 32ND PL PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $121 | $0 | $121 | 1.03% |
| JOHN T OSBORNE3 | 8801 E 29TH ST TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $14 | $0 | $14 | 0.12% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | $0 | $10 | 0.08% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | $0 | $10 | 0.08% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | $0 | $4 | 0.03% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 135 | $1.6M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE CO | 421 | $262K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 333 | $1.7M |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 194 | $165K |
| Short-term disability | AFLAC | 126 | $118K |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 194 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 135 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE CO OF AMERICA | 194 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.