| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 SUITE 1100 CINCINNATI, OH 45263 | UNITED HEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 5.26% |
| JULIE KICKER3 | 719 E COTTONWOOD LANE CASA GRANDE, AZ 85122 | AFLAC | $4K | $211 | $4K | 6.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $797 | — | $797 | 1.28% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $730 | $61 | $791 | 1.27% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $687 | — | $687 | 1.11% |
| ZAKERY ALLEN HARLOW3 | 3755 N BUSINESS CENTER DRIVE TUCSON, AZ 85705 | AFLAC | $595 | $61 | $656 | 1.06% |
| JOHN DOLLAR3 Filed as: JOHN R DOLLAR | 588 EAST WOLF HOLLOW DRIVE CASA GRANDE, AZ 85122 | AFLAC | $364 | $91 | $455 | 0.73% |
| TULA BOYLES3 Filed as: TULA G BOYLES | 1134 W SHOAL CREEK LANE ORO VALLEY, AZ 85737 | AFLAC | $253 | — | $253 | 0.41% |
| MARSHA L ECHOLS3 Filed as: MARSHA ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $198 | — | $198 | 0.32% |
| JAMES HUNT3 | 15010 N 61ST PLACE SCOTTSDALE, AZ 85254 | AFLAC | $190 | — | $190 | 0.31% |
| BENEFIT INTELLIGENCE INC3 Filed as: BENEFIT INTELLIGENCE-GMI INC | 4862 E BASELINE ROAD SUITE 101 MESA, AZ 85206 | AFLAC | $188 | — | $188 | 0.30% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK ROAD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $144 | — | $144 | 0.23% |
| LAUREL L HARLOW3 | 3755 NORTH BUSINESS CENTRE DR SUITE 4 TUCSON, AZ 85705 | AFLAC | $136 | — | $136 | 0.22% |
| JACOB C ECHOLS3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $126 | — | $126 | 0.20% |
| NANCY L SIGL3 | 21 YARROW LANE NOVATO, CA 94948 | AFLAC | $123 | — | $123 | 0.20% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $107 | — | $107 | 0.17% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $86 | — | $86 | 0.14% |
| MARK HILL3 | 7673 N SUMMIT PASS SUITE 214 PRESCOTT VALLEY, AZ 86315 | AFLAC | $80 | — | $80 | 0.13% |
| CHERYL WILLS3 | 12801 ROSECRANS AVE APT 134 NORWALK, CA 90650 | AFLAC | $66 | — | $66 | 0.11% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $65 | — | $65 | 0.10% |
| MARK K HASLEY3 | 21925 N 70TH AVE GLENDALE, AZ 85310 | AFLAC | $58 | — | $58 | 0.09% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $55 | — | $55 | 0.09% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $54 | — | $54 | 0.09% |
| LAUREL L HARLOW3 | 4566 N 1ST AVE SUITE 140 TUCSON, AZ 85718 | AFLAC | $52 | — | $52 | 0.08% |
| BRENDA S O BERRY3 | PO BOX 686 THATCHER, AZ 85552 | AFLAC | $51 | — | $51 | 0.08% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $43 | — | $43 | 0.07% |
| TREVOR G NORENBERG3 | 10000 N 31ST AVE PHOENIX, AZ 85051 | AFLAC | $39 | — | $39 | 0.06% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD SUITE 100 LAS VEGAS, NV 89118 | AFLAC | $38 | — | $38 | 0.06% |
| ZACHARY HARTMAN3 Filed as: ZACHARY K HARTMAN | 13820 SOUTH 44TH STREET APT 1190 PHOENIX, AZ 85044 | AFLAC | $26 | — | $26 | 0.04% |
| VIRGINIA DIANE HALL3 | 5500 W LAKE RIVER LANE BOISE, ID 83703 | AFLAC | $11 | — | $11 | 0.02% |
| VIRGINIA RUTH HUNT3 | 15010 N 61ST PLACE SCOTTSDALE, AZ 85254 | AFLAC | $9 | — | $9 | 0.01% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT ST APT 308 SHERMAN OAKS, CA 91423 | AFLAC | $5 | — | $5 | 0.01% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD SUITE 168 PHOENIX, AZ 85028 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE ROD SUITE 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD SUITE 116 MESA, AL 85206 | AFLAC | $3 | — | $3 | 0.00% |
| SHAWN HOLTORF3 | 6234 WEST DEHREND DR APT 1135 APT 1135 GLENDALE, AZ 85308 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFERY S GIBSON3 | 14301 N 87TH ST SUITE 313 SCOTTSDALE, AZ 85260 | AFLAC | $2 | — | $2 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $1 | — | $1 | 0.00% |
| JULIA ANN COAST3 | 1409 E MALIBU DR TEMPE, AL 85282 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3060 W CALLE LUCINDA TUCSON, AZ 85741 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $842 | $354 | $1K | 14.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JORGENSEN HEALTHCARE ASSOC INC EIN 86-0687859 EAP PROVIDER | Other services Service code 49 | — | $8K |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 165 | $846K |
| Dental(2 contracts, 2 carriers) | AFLAC | 64 | $115K |
| Vision | VISION SERVICE PLAN | 68 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $37K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 64 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.