| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODEN, JULIE A3 | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | BLUE CROSS BLUE SHIELD OF ARIZONA | $29K | — | $29K | 4.95% |
| KAREN PICCININI3 Filed as: KAREN MARIE JONES | 16211 N SCOTTSDALE RD STE A64 #614 SCOTTSDALE, AZ 85254 | AFLAC | $4K | $169 | $4K | 7.52% |
| JULIE A RODEN3 Filed as: JULIE ANN RODEN | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | AFLAC | $2K | — | $2K | 3.08% |
| KORI A ALLEN3 | 16211 N SCOTTSDALE RD STE 614 SCOTTSDALE, AZ 85254 | AFLAC | $646 | $31 | $677 | 1.20% |
| ALFREDO N VARGAS3 | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $531 | $40 | $571 | 1.01% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AK 85260 | AFLAC | $333 | — | $333 | 0.59% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $323 | — | $323 | 0.57% |
| SHAWN HOLTORF3 Filed as: SHAWN HOLTROF | 5522 W NORTHWOOD DR GLENDALE, AK 85310 | AFLAC | $284 | — | $284 | 0.50% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $243 | $38 | $281 | 0.50% |
| NANCY ELLEN CARLSON3 | 17434 N PARADISE PARK DR PHOENIX, AK 85032 | AFLAC | $250 | — | $250 | 0.44% |
| TOD R HANN3 | 16211 N SCOTTSDALE RD STE A64 #614 SCOTTSDALE, AZ 85254 | AFLAC | $127 | — | $127 | 0.22% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $75 | — | $75 | 0.13% |
| PANAORAMA RISK & INS SOLUTIONS LLC3 | 22501 PARKSFIELD MISSION VIEJO, CA 92692 | AFLAC | $73 | — | $73 | 0.13% |
| LAURA L HOWARD3 Filed as: LAURA HOWARD | 11434 W PICCADILLY RD AVONDALE, AZ 85392 | AFLAC | $59 | — | $59 | 0.10% |
| DENISE JANE FORCONI3 | 5065 E MAZATZAL DR CAVE CREEK, AZ 85331 | AFLAC | $55 | — | $55 | 0.10% |
| JEFFREY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $50 | — | $50 | 0.09% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON CHALRES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $42 | — | $42 | 0.07% |
| MELISSA A SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, AK 85023 | AFLAC | $39 | $2 | $41 | 0.07% |
| GREGORY F STENZEL3 Filed as: GREGORY S STENZEL | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $39 | — | $39 | 0.07% |
| WILLIAM J SHARP3 | 17836 N 434RD WAY PHOENIX, AZ 85032 | AFLAC | $28 | — | $28 | 0.05% |
| JASON ELIJAH ANGEL3 | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $21 | — | $21 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $18 | — | $18 | 0.03% |
| RANDY DOPITA3 | 16211 N SCOTTSDALE RD STE A64 #614 SCOTTSDALE, AZ 85254 | AFLAC | $16 | — | $16 | 0.03% |
| MICHAEL SHAUN DAGEN3 | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $15 | — | $15 | 0.03% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $13 | — | $13 | 0.02% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $12 | — | $12 | 0.02% |
| JEFFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $9 | — | $9 | 0.02% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 85016 | AFLAC | $7 | — | $7 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $4 | — | $4 | 0.01% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $4 | — | $4 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH STREET PHOENIX, AZ 85014 | AFLAC | $3 | — | $3 | 0.01% |
| JASON ELIJAH ANGEL3 | 504 S ABBEY WAY HOPKINSVILLE, KS 42240 | AFLAC | $2 | — | $2 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
| RODEN, JULIE A3 | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| RODEN, JULIE A3 | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| RODEN, JULIE A3 | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | TELEDOC HEALTH INC | $947 | — | $947 | 15.00% |
| RODEN, JULIE A3 | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | SUN LIFE ASSURNACE COMPANY OF CANADA | $352 | — | $352 | 8.01% |
| KAREN JONES4 Filed as: KAREN M JONES | 16211 N SCOTTSDALE RD STE A64 #614 SCOTTSDALE, AZ 85254 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $521 | — | $521 | 16.56% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 91 | $596K |
| Dental | SUN LIFE ASSURNACE COMPANY OF CANADA | 20 | $4K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 91 | $596K |
| Other(5 contracts, 4 carriers) | AFLAC | 113 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.