| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE KICKER3 Filed as: JULIE A. KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | AFLAC | $923 | $52 | $975 | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $236 | — | $236 | 1.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $196 | — | $196 | 0.83% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $165 | — | $165 | 0.70% |
| SANDRA L SARFF3 Filed as: SANDRA L. SARFF | 3811 E CHICO LN TUCSON, AZ 85739 | AFLAC | $163 | — | $163 | 0.69% |
| KELLY MCGARRY3 | 4742 N ORACLE RD STE 210 TUCSON, AZ 85705 | AFLAC | $136 | $12 | $148 | 0.63% |
| NICHOLAS CAFFREY3 | 6502 N CALLE LOTTIE TUCSON, AZ 85718 | AFLAC | $134 | $12 | $146 | 0.62% |
| MARSHA L ECHOLS3 Filed as: MARSHA L. ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $111 | — | $111 | 0.47% |
| JAMES HUNT3 Filed as: JAMES K. HUNT | 15010 N 61ST PLACE SCOTTSDALE, AZ 85254 | AFLAC | $100 | — | $100 | 0.43% |
| TULA BOYLES3 Filed as: TULA G. BOYLES | 12495 W GINI LN MARANA, AZ 85663 | AFLAC | $79 | — | $79 | 0.34% |
| BENEFIT INTELLIGENCE INC3 | 4862 E BASELINE RD STE 101 MESA, AZ 85206 | AFLAC | $75 | — | $75 | 0.32% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $61 | — | $61 | 0.26% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $56 | — | $56 | 0.24% |
| JACOB C ECHOLS3 | 15824 E PARK AVE GILBERT, AZ 85234 | AFLAC | $46 | — | $46 | 0.20% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $34 | — | $34 | 0.14% |
| KIMBERLY D. ADAMS3 | PO BOX 167 UMPQUA, OR 97486 | AFLAC | $33 | — | $33 | 0.14% |
| KIMBERLY WEBB3 | 17165 W MOUNTAINAIR ST SURPRISE, AZ 85388 | AFLAC | $31 | — | $31 | 0.13% |
| JOHN DOLLAR3 Filed as: JOHN R. DOLLAR | PO BOX 403 YOUNG, AZ 85554 | AFLAC | $30 | — | $30 | 0.13% |
| NANCY L SIGL3 Filed as: NANCY L. SIGL | 8683 RAWHIDE LN SPC 1 WILTON, CA 95693 | AFLAC | $30 | — | $30 | 0.13% |
| DAVID R LATTIMER3 | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $29 | — | $29 | 0.12% |
| PREFERRED MARKETING CORP3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $29 | — | $29 | 0.12% |
| DONALD GREEN3 Filed as: DONALD A. GREEN | 4719 S HARVEST MOON DR GREEN VALLEY, AZ 85622 | AFLAC | $17 | — | $17 | 0.07% |
| JOHNNY WAYNE ROBBINS3 | 2350 N TERRY ST SPC 105 EUGENE, OR 97402 | AFLAC | $13 | — | $13 | 0.06% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $11 | — | $11 | 0.05% |
| LAUREL L HARLOW3 Filed as: LAUREL L. HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $11 | — | $11 | 0.05% |
| CHAD P SCHNEIDER3 Filed as: CHAD P. SCHNEIDER | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $9 | — | $9 | 0.04% |
| JEROMY E. CILLEY3 | 2683 E WILSHIRE DR EUGENE, OR 97405 | AFLAC | $8 | — | $8 | 0.03% |
| VIRGINIA DIANE HALL3 | 3975 E CLOCKTOWER LN APT 135 MERIDIAN, ID 83642 | AFLAC | $7 | — | $7 | 0.03% |
| SHARON MCKELVEY3 | 589 E CONESTOGA CIR LOT 3 GRAND JUNCTION, CO 81504 | AFLAC | $6 | — | $6 | 0.03% |
| BRENDA S O BERRY3 | PO BOX 686 THATCHER, AZ 85552 | AFLAC | $5 | — | $5 | 0.02% |
| JEFFREY A KLEINMAN SR3 | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL G. GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $4 | — | $4 | 0.02% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $4 | — | $4 | 0.02% |
| ZACHARY HARTMAN3 | 13820 S 44TH ST APT 1190 PHOENIX, AZ 85066 | AFLAC | $2 | — | $2 | 0.01% |
| JULIE COAST3 | 1409 E MALIBU DRIVE TEMPE, AA 85282 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $642 | $401 | $1K | 16.25% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 25 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $29K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 32 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $17K |
| Other(3 contracts, 2 carriers) | AFLAC | 92 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.