| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DEPARTMENT INC THE3 | 4341 S SUMMIT ST GILBERT, AZ 85296 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $26K | $31K | 3.24% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 2.53% |
| UNITED INSURANCE CONSULTANTS LLC3 | 6268 E EARLL DR SCOTTSDALE, AZ 85251 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$54 | -$54 | -0.01% |
| DOUGLAS R GRAY | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.00% |
| PARAGON PARTNERS LTD Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.11% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.60% |
| USA BROKER RESOURCES, INC. | 3773 HOWARD HUGHES PKWY SUITE 500S LAS VEGAS, NV 891696014 | TRANSAMERICA LIFE INSURANCE COMPANY | $394 | $0 | $394 | 0.60% |
| BENEFITS DEPARTMENT INC THE Filed as: THE BENEFITS DEPARTMENT INC | 2339 N CAREFREE CIR FLAGSTAFF, AZ 86004 | AFLAC | $7K | $0 | $7K | 16.66% |
| ROSEMARY CURTIS | 21041 N 61ST DR GLENDALE, AZ 85308 | AFLAC | $3K | $0 | $3K | 6.14% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $2K | $0 | $2K | 5.72% |
| JEFFREY D TORELLO | 14 BUSINESS PARK DR STE 8 BRANFORD, CT 06405 | AFLAC | $2K | $0 | $2K | 4.35% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | AFLAC | $1K | $0 | $1K | 3.53% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $873 | $0 | $873 | 2.09% |
| SCOTT WOOD Filed as: SCOTT J KOSTEL | 9566 E WINDROSE DR SCOTTSDALE, AZ 85260 | AFLAC | $832 | $0 | $832 | 2.00% |
| MELANIE HENDERSEN | 6204 SILVER VEIN ST NORTH LAS VEGAS, NV 89031 | AFLAC | $577 | $0 | $577 | 1.38% |
| ROSLYN M KLEINMAN | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $398 | $0 | $398 | 0.95% |
| KRYSTYN RIVAS | 2462 PALMA VISTA AVE LAS VEGAS, NV 89121 | AFLAC | $382 | $0 | $382 | 0.92% |
| DWAYNE R MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $213 | $0 | $213 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $183 | $0 | $183 | 0.44% |
| SETH G KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $175 | $0 | $175 | 0.42% |
| MARIA MULLIGAN | 24654 N LAKE PLEASANT PKWY 103-417 PEORIA, AZ 85383 | AFLAC | $111 | $0 | $111 | 0.27% |
| JENNIFER BRAR Filed as: JENNIFER ELLEN BRAR | 525 E SEASIDE WAY UNIT 709 LONG BEACH, CA 90802 | AFLAC | $90 | $0 | $90 | 0.22% |
| REBECCA LYNN CRANE | 13211 S 35TH CT PHOENIX, AZ 85044 | AFLAC | $83 | $0 | $83 | 0.20% |
| RACHEL DAY Filed as: RACHEL S DAY | 5533 E 24TH ST TUCSON, AZ 85711 | AFLAC | $55 | $0 | $55 | 0.13% |
| PATRICIA J GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $46 | $0 | $46 | 0.11% |
| MICHAEL J AUDITORE | 3961 E CHANDLER BLVD STE 111 PMB 114 PHOENIX, AZ 85048 | AFLAC | $45 | $0 | $45 | 0.11% |
| ROBERT E LABONTE | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $44 | $0 | $44 | 0.11% |
| MICHAEL EDWARD LI | 5751 N KOLB RD UNIT 39202 TUCSON, AZ 85750 | AFLAC | $43 | $0 | $43 | 0.10% |
| TIMOTHY KNEIDEL | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $40 | $0 | $40 | 0.10% |
| KIMBERLY J RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $37 | $0 | $37 | 0.09% |
| SHARON MALONE | 10719 E FLORIAN AVE MESA, AZ 85208 | AFLAC | $37 | $0 | $37 | 0.09% |
| JEANNETTE YVONNE DURRANI | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $34 | $0 | $34 | 0.08% |
| DAVID R LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $28 | $0 | $28 | 0.07% |
| MARIA MULLIGAN | 15131 W DYNAMITE BLVD SUN CITY WEST, AZ 85387 | AFLAC | $28 | $0 | $28 | 0.07% |
| JEANNETTE YVONNE DURRANI | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $22 | $0 | $22 | 0.05% |
| ALEXANDRA JACOBI Filed as: ALEXANDRA C DIBIASI LLC | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $19 | $0 | $19 | 0.05% |
| PAMELA UTTER Filed as: PAMELA S UTTER | 7750 W BOCA RATON RD PEORIA, AZ 85381 | AFLAC | $13 | $0 | $13 | 0.03% |
| MICHAEL EDWARD LI | 5319 N ENTRADA DE SABINO TUCSON, AZ 85750 | AFLAC | $11 | $0 | $11 | 0.03% |
| KELLY MCGARRY | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $10 | $0 | $10 | 0.02% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | $0 | $6 | 0.01% |
| THE JACOBI GROUP LLC | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $5 | $0 | $5 | 0.01% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $3 | $0 | $3 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2 | $0 | $2 | 0.00% |
| ARIZONA BENEFIT PLANS INC | 1 E CAMELBACK RD STE 840 PHOENIX, AZ 85012 | AFLAC | $2 | $0 | $2 | 0.00% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY A KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $954K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $954K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $954K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 55 | $66K |
| Short-term disability | AFLAC | 129 | $42K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 129 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.