| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DEPARTMENT INC THE3 | 4341 S SUMMIT ST GILBERT, AZ 85296 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $44K | $49K | 6.29% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 2.60% |
| UNITED INSURANCE CONSULTANTS LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | -$49 | -$55 | -0.01% |
| DOUGLAS R GRAY | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 22.67% |
| PARAGON PARTNERS LTD Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.10% |
| JENNIFER BRAR Filed as: JENNIFER ELLEN BRAR | 525 E SEASIDE WAY UNIT 709 LONG BEACH, CA 90802 | AFLAC | $90 | $0 | $90 | 3.54% |
| PATRICIA J GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $46 | $0 | $46 | 1.81% |
| MICHAEL J AUDITORE | 3961 E CHANDLER BLVD STE 111 PMB 114 PHOENIX, AZ 85048 | AFLAC | $45 | $0 | $45 | 1.77% |
| ROBERT E LABONTE | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $44 | $0 | $44 | 1.73% |
| SHARON MALONE | 10719 E FLORIAN AVE MESA, AZ 85208 | AFLAC | $44 | $0 | $44 | 1.73% |
| PAMELA UTTER Filed as: PAMELA S UTTER | 7750 W BOCA RATON RD PEORIA, AZ 85381 | AFLAC | $13 | $0 | $13 | 0.51% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $4 | $0 | $4 | 0.16% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $3 | $0 | $3 | 0.12% |
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2 | $0 | $2 | 0.08% |
| ARIZONA BENEFIT PLANS INC | 1 E CAMELBACK RD STE 840 PHOENIX, AZ 85012 | AFLAC | $2 | $0 | $2 | 0.08% |
| JEFFREY A KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $2 | $0 | $2 | 0.08% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $2 | $0 | $2 | 0.08% |
| SCOTT WEBB | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $1 | $0 | $1 | 0.04% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $775K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $775K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $775K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 54 | $57K |
| Short-term disability | AFLAC | 47 | $3K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 54 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.