| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DEPARTMENT INC THE3 | 2339 N CAREFREE CIR FLAGSTAFF, AZ 860047522 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $24K | $30K | 3.09% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.53% |
| DOUGLAS R GRAY | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.95% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.48% |
| PARAGON PARTNERS LTD Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.90% |
| USA BROKER RESOURCES, INC. | 3773 HOWARD HUGHES PKWY SUITE 500S LAS VEGAS, NV 891696014 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.25% |
| BENEFITS DEPARTMENT INC THE Filed as: THE BENEFITS DEPARTMENT INC | 2339 N CAREFREE CIR FLAGSTAFF, AZ 86004 | AFLAC | $2K | $0 | $2K | 3.56% |
| ROSEMARY CURTIS | 21041 N 61ST DR GLENDALE, AZ 85308 | AFLAC | $1K | $211 | $1K | 2.76% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $1K | $271 | $1K | 2.46% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | AFLAC | $1K | $187 | $1K | 2.45% |
| JEFFREY D TORELLO | 14 BUSINESS PARK DR STE 8 BRANFORD, CT 06405 | AFLAC | $684 | $0 | $684 | 1.30% |
| JEANNETTE YVONNE DURRANI | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $253 | $132 | $385 | 0.73% |
| SCOTT WOOD Filed as: SCOTT J KOSTEL | 9566 E WINDROSE DR SCOTTSDALE, AZ 85260 | AFLAC | $233 | $64 | $297 | 0.57% |
| CHRISTOPHER E FISCHER | 35035 N NORTH VALLEY PKWY APT 132A PHOENIX, AZ 85086 | AFLAC | $277 | $0 | $277 | 0.53% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $168 | $0 | $168 | 0.32% |
| JASON ELIJAH ANGEL | 2550 W UNION HILLS DR STE 350 PHOENIX, AZ 85027 | AFLAC | $149 | $0 | $149 | 0.28% |
| ROSLYN M KLEINMAN | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $82 | $54 | $136 | 0.26% |
| REBECCA LYNN CRANE | 13211 S 35TH CT PHOENIX, AZ 85044 | AFLAC | $61 | $61 | $122 | 0.23% |
| RACHEL DAY Filed as: RACHEL S DAY | 5533 E 24TH ST TUCSON, AZ 85711 | AFLAC | $69 | $31 | $100 | 0.19% |
| MELANIE HENDERSEN | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $77 | $0 | $77 | 0.15% |
| ROBERT ALLEN | 11632 W TENAZA DR PEORIA, AZ 85383 | AFLAC | $63 | $11 | $74 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GEORGE PETRONELLA | 1489 W WARM SPRINGS RD STE 110 UNIT 230 HENDERSON, NV 89014 | AFLAC | $61 | $0 | $61 | 0.12% |
| JENNIFER BRAR Filed as: JENNIFER ELLEN BRAR | 525 E SEASIDE WAY UNIT 709 LONG BEACH, CA 90802 | AFLAC | $61 | $0 | $61 | 0.12% |
| JASON ELIJAH ANGEL | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $56 | $0 | $56 | 0.11% |
| DWAYNE R MARTINEZ | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $45 | $0 | $45 | 0.09% |
| SETH G KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $28 | $6 | $34 | 0.06% |
| PATRICIA J GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $32 | $0 | $32 | 0.06% |
| MICHAEL J AUDITORE | 3961 E CHANDLER BLVD STE 111 PMB 114 PHOENIX, AZ 85048 | AFLAC | $30 | $0 | $30 | 0.06% |
| MARIA MULLIGAN | 15131 W DYNAMITE BLVD SUN CITY WEST, AZ 85387 | AFLAC | $28 | $0 | $28 | 0.05% |
| ROBERT E LABONTE | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $25 | $0 | $25 | 0.05% |
| KELLY MCGARRY | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $16 | $6 | $22 | 0.04% |
| SHARON MALONE | 10719 E FLORIAN AVE MESA, AZ 85208 | AFLAC | $19 | $0 | $19 | 0.04% |
| PAMELA UTTER Filed as: PAMELA S UTTER | 7750 W BOCA RATON RD PEORIA, AZ 85381 | AFLAC | $13 | $0 | $13 | 0.02% |
| KIMBERLY J RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $8 | $0 | $8 | 0.02% |
| THE JACOBI GROUP LLC | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $6 | $0 | $6 | 0.01% |
| MELANIE HENDERSEN | 6204 SILVER VEIN ST NORTH LAS VEGAS, NV 89031 | AFLAC | $5 | $0 | $5 | 0.01% |
| TIMOTHY KNEIDEL | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $5 | $0 | $5 | 0.01% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $4 | $0 | $4 | 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% |
| JEFFREY A KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | 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 | 431 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $959K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $959K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $959K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 175 | $123K |
| Short-term disability | AFLAC | 60 | $52K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 175 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.