| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $111K | $0 | $111K | 4.74% |
| KAREN MARIE JONES Filed as: KAREN JONES | 16211 N SCOTTSDALE RD A61 NO 614 SCOTTSDALE, AZ 85254 | AFLAC | $6K | $101 | $6K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AFLAC | $1K | $0 | $1K | 1.35% |
| KORI A ALLEN | 16211 N SCOTTSDALE RD 614 SCOTTSDALE, AZ 85254 | AFLAC | $1K | $87 | $1K | 1.31% |
| NANCY ELLEN CARLSON | 17434 N PARADISE PARK DR PHOENIX, AZ 85032 | AFLAC | $662 | $0 | $662 | 0.76% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $518 | $0 | $518 | 0.60% |
| KIM J JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $508 | $0 | $508 | 0.59% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $427 | $23 | $450 | 0.52% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A #614 SCOTTSDALE, AZ 85254 | AFLAC | $367 | $0 | $367 | 0.42% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $313 | $0 | $313 | 0.36% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $285 | $0 | $285 | 0.33% |
| MELISSA A SCHOFIELD | 11620 N 39TH ST PHOENIX, AZ 85028 | AFLAC | $216 | $6 | $222 | 0.26% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $208 | $0 | $208 | 0.24% |
| MICHAEL SHAUN DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $121 | $0 | $121 | 0.14% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $119 | $0 | $119 | 0.14% |
| JEFFERY S GIBSON | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $94 | $0 | $94 | 0.11% |
| DEBRA K TORNBERG Filed as: DEBRA K THORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $35 | $14 | $49 | 0.06% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $29 | $17 | $46 | 0.05% |
| MELISSA A SCHOFIELD | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $44 | $0 | $44 | 0.05% |
| CHAD P SCHNEIDER | 1 W SUPERIOR ST APT 1301 CHICAGO, IL 60654 | AFLAC | $40 | $0 | $40 | 0.05% |
| JASON ELIJAH ANGEL | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $39 | $0 | $39 | 0.04% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $21 | $17 | $38 | 0.04% |
| JEFFERY S GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $22 | $0 | $22 | 0.03% |
| ORIN LEE WILLIAMS | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $17 | $0 | $17 | 0.02% |
| RUSSELL M FERREE | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $15 | $0 | $15 | 0.02% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $13 | $0 | $13 | 0.01% |
| RYAN KADAVY Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $12 | $0 | $12 | 0.01% |
| NATALIE MALHAM | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $11 | $0 | $11 | 0.01% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $11 | $0 | $11 | 0.01% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $5 | $3 | $8 | 0.01% |
| ZAKERY ALLEN HARLOW | 2960 N ACADEMY BLVD STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $7 | $0 | $7 | 0.01% |
| GREGORY F STENZEL | 1249 KIOWA DR W GAINSVILLE, TX 76240 | AFLAC | $6 | $0 | $6 | 0.01% |
| PREFERRED MARKETING CORP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $5 | $0 | $5 | 0.01% |
| TIMOTHY MARTIN Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $2 | $0 | $2 | 0.00% |
| LAUREL L HARLOW | 6200 W ROAN PL TUCSON, AZ 85743 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHAEL G RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM J SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $1 | $0 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | ARIZONA EYECARE ALLIANCE | $5K | $0 | $5K | 10.00% |
| REID NELSON | PO BOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $3K | $0 | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.98% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $6 | $6 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | MONY LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 9.83% |
| MARQUEZ BENEFIT GROUP LLC3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $991 | $2K | 6.28% |
| JEFFRY MICHAEL DORN3 | 19621 N 36TH ST PHOENIX, AZ 85050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $109 | $2K | 5.47% |
| CHANDA MANSKE3 | 12145 W JESSIE CT SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $568 | $2K | 5.11% |
| VICKI LYNN PARSONS3 | 8397 W PALO VERDE AVE PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | $23 | $910 | 2.59% |
| BRENDAN FOX3 | 1476 N WAKONDA ST FLAGSTAFF, AZ 86004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $640 | $803 | 2.28% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $0 | $296 | 0.84% |
| KELLIE GREENE VALDEZ3 | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $11 | $244 | 0.69% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $12 | $175 | 0.50% |
| AUSTIN WALTON3 | 14414 N 44TH DR GLENDALE, AZ 85306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $2 | $128 | 0.36% |
| DAVID DOUGLAS MANSKE3 | 4636 N 94TH LN PHOENIX, AZ 85037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $36 | $122 | 0.35% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.22% |
| CELESTINO SANTOS3 | 323 S ELDEN ST FLAGSTAFF, AZ 86001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $12 | $78 | 0.22% |
| JOHN T OSBORNE3 | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.05% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | $0 | $567 | 6.13% |
| JEFFRY MICHAEL DORN3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $14 | $287 | 3.10% |
| BRENDAN FOX3 | 1476 N WAKONDA ST FLAGSTAFF, AZ 86004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $213 | $267 | 2.89% |
| MARQUEZ BENEFIT GROUP LLC3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $99 | $255 | 2.76% |
| KORI A ALLEN3 Filed as: KORI ALENE ALLEN | 16211 N SCOTTSDALE RD A6A 614 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $231 | $253 | 2.74% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $100 | $144 | 1.56% |
| VICKI LYNN PARSONS3 | 8397 W PALO VERDE AVE PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $3 | $143 | 1.55% |
| NANCY E CARLSON3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $106 | $116 | 1.25% |
| CHANDA MANSKE3 | 12145 W JESSIE CT SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $1 | $89 | 0.96% |
| KELLIE GREENE VALDEZ3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $4 | $89 | 0.96% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.55% |
| CELESTINO SANTOS3 | 323 S ELDEN ST FLAGSTAFF, AZ 86001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $4 | $26 | 0.28% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.23% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.15% |
| GARY MARK HELMS3 | 4230 E ELMWOOD ST MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.08% |
| JOHN T OSBORNE3 | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $2.3M |
| Dental(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $2.5M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 619 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $94K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 79 | $131K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 188 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $2.3M |
| Other(5 contracts, 4 carriers) | AFLAC | 208 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.