| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DEPARTMENT INC THE3 | 4341 S SUMMIT ST GILBERT, AZ 85296 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $25K | $31K | 2.72% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 2.46% |
| BENEFITS DEPARTMENT INC THE Filed as: THE BENEFITS DEPARTMENT INC | 2339 N CAREFREE CIR FLAGSTAFF, AZ 86004 | AFLAC | $8K | $0 | $8K | 10.35% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $4K | $352 | $4K | 5.60% |
| ROSEMARY CURTIS | 21041 N 61ST DR GLENDALE, AZ 85308 | AFLAC | $3K | $585 | $3K | 4.59% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | AFLAC | $2K | $335 | $3K | 3.65% |
| JEFFREY D TORELLO | 14 BUSINESS PARK DR STE8 BRANFORD, CT 06405 | AFLAC | $2K | $124 | $3K | 3.38% |
| SCOTT WOOD Filed as: SCOTT J KOSTEL | 9566 E WINDROSE DR SCOTTSDALE, AZ 85260 | AFLAC | $1K | $168 | $1K | 1.57% |
| JEANNETTE YVONNE DURRANI | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $1K | $26 | $1K | 1.37% |
| REBECCA LYNN CRANE | 13211 S 35TH CT PHOENIX, AZ 85044 | AFLAC | $732 | $17 | $749 | 0.99% |
| RACHEL DAY Filed as: RACHEL S DAY | 5533 E 24TH ST TUCSON, AZ 85711 | AFLAC | $633 | $14 | $647 | 0.85% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $361 | $217 | $578 | 0.76% |
| ROSLYN M KLEINMAN | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $458 | $39 | $497 | 0.66% |
| SETH G KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $216 | $24 | $240 | 0.32% |
| MELANIE HENDERSEN | 6204 SILVER VEIN ST NORTH LAS VEGAS, NV 89031 | AFLAC | $167 | $66 | $233 | 0.31% |
| KRYSTYN RIVAS | 2462 PALMA VISTA AVE LAS VEGAS, NV 89121 | AFLAC | $94 | $44 | $138 | 0.18% |
| KELLY MCGARRY | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $105 | $2 | $107 | 0.14% |
| ROBERT ALLEN | 11632 W TENAZA DR PEORIA, AZ 85383 | AFLAC | $100 | $0 | $100 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GEORGE PETRONELLA | 1489 W WARM SPRINGS RD STE 110 UNIT 230 HENDERSON, NV 89014 | AFLAC | $66 | $24 | $90 | 0.12% |
| JENNIFER BRAR Filed as: JENNIFER ELLEN BRAR | 525 E SEASIDE WAY UNIT 709 LONG BEACH, CA 90802 | AFLAC | $86 | $0 | $86 | 0.11% |
| MARIA MULLIGAN | 15131 W DYNAMITE BLVD SUN CITY WEST, AZ 85387 | AFLAC | $51 | $30 | $81 | 0.11% |
| DWAYNE R MARTINEZ | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $45 | $31 | $76 | 0.10% |
| ANDREA REYES LOPEZ | 2360 SWIFT DR LAKE HAVASU CITY, AZ 86404 | AFLAC | $52 | $0 | $52 | 0.07% |
| PATRICIA J GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $44 | $0 | $44 | 0.06% |
| MICHAEL J AUDITORE | 3961 E CHANDLER BLVD STE 111 PMB 114 PHOENIX, AZ 85048 | AFLAC | $43 | $0 | $43 | 0.06% |
| ROBERT E LABONTE | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $41 | $0 | $41 | 0.05% |
| DWAYNE R MARTINEZ | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $38 | $0 | $38 | 0.05% |
| KIMBERLY J RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $29 | $9 | $38 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GEORGE PETRONELLA | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $35 | $0 | $35 | 0.05% |
| SHARON MALONE | 10719 E FLORIAN AVE MESA, AZ 85208 | AFLAC | $31 | $0 | $31 | 0.04% |
| MICHAEL EDWARD LI | 5319 N ENTRADA DE SABINO TUCSON, AZ 85750 | AFLAC | $14 | $12 | $26 | 0.03% |
| CHRISTOPHER E FISCHER | 35035 N NORTH VALLEY PKWY APT 132A PHOENIX, AZ 85086 | AFLAC | $23 | $0 | $23 | 0.03% |
| TIMOTHY KNEIDEL | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $12 | $6 | $18 | 0.02% |
| DAVID R LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $7 | $8 | $15 | 0.02% |
| PAMELA UTTER Filed as: PAMELA S UTTER | 7750 W BOCA RATON RD PEORIA, AZ 85381 | AFLAC | $14 | $0 | $14 | 0.02% |
| KARA A LANGEVIN | 37146 S BUCKSKIN CIR PARKER, AZ 85344 | AFLAC | $14 | $0 | $14 | 0.02% |
| THE JACOBI GROUP LLC | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $10 | $3 | $13 | 0.02% |
| MATTHEW R CALICOAT | 42031 N 45TH DR PHOENIX, AZ 85086 | AFLAC | $8 | $0 | $8 | 0.01% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | $0 | $6 | 0.01% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $3 | $0 | $3 | 0.00% |
| 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% |
| JEFFREY A KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | 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% |
| DOUGLAS R GRAY | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.94% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.39% |
| PARAGON PARTNERS LTD Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-10 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $691 | $0 | $691 | 2.57% |
| USA BROKER RESOURCES, INC. | 3773 HOWARD HUGHES PKWY SUITE 500S LAS VEGAS, NV 891696014 | TRANSAMERICA LIFE INSURANCE COMPANY | $397 | $0 | $397 | 1.47% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $1.1M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 43 | $27K |
| Short-term disability | AFLAC | 88 | $76K |
| Other(2 contracts, 2 carriers) | AFLAC | 88 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.