| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALVORSON INSURANCE INC3 | 5131 EAST GRANT ROAD TUCSON, AZ 85731 | BLUE CROSS BLUE SHIELD OF ARIZONA | $37K | — | $37K | 7.00% |
| HELEN HAGARDT3 | 9076 NORTH IRONWOOD MEADOWS DRIVE TUCSON, AZ 85742 | AFLAC | $2K | — | $2K | 1.82% |
| SANDRA L SARFF3 | 3811 EAST CHICO LANE TUCSON, AZ 85739 | AFLAC | $511 | — | $511 | 0.59% |
| M & O AGENCIES INC3 Filed as: M &O AGENCIES INC | 2625 WEST GERONIMO PLACE TUCSON, AZ 85224 | AFLAC | $187 | — | $187 | 0.22% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 4719 SOUTH HARVEST MOON DRIVE GREEN VALLEY, AZ 85622 | AFLAC | $172 | — | $172 | 0.20% |
| SETH G KNOWLTON3 | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $170 | — | $170 | 0.20% |
| ZAKERY ALLEN HARLOW3 | 2030 WEST BASELINE ROAD SUITE 182-1702 PHOENIX, AZ 85041 | AFLAC | $122 | — | $122 | 0.14% |
| MARK HILL3 | 5188 EAST PARK VISTA DRIVE TUCSON, AZ 85756 | AFLAC | $122 | — | $122 | 0.14% |
| KELLY MCGARRY3 | 4742 NORTH ORACLE ROAD SUITE 210 TUCSON, AZ 85705 | AFLAC | $91 | — | $91 | 0.11% |
| ROBERT BRUCE SOROCK3 | 6260 NORTH CERRADA MORENO TUCSON, AZ 85718 | AFLAC | $89 | — | $89 | 0.10% |
| PREFERRED MARKETING CORP3 | 817 CYPRESS OAK CIRCLE DELAND, FL 32720 | AFLAC | $75 | — | $75 | 0.09% |
| MICHAEL J FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $72 | — | $72 | 0.08% |
| NICOLE K VAN WINDEN3 | 411 SOUTH ESSEX LANE TUCSON, AZ 85711 | AFLAC | $68 | — | $68 | 0.08% |
| NANCY L SIGL3 | 8683 RAWHIDE LANE SPACE 1 WILTON, CA 95693 | AFLAC | $66 | — | $66 | 0.08% |
| BENJAMIN J HAGARDT3 | 9076 NORTH IRONWOOD MEADOWS DRIVE TUCSON, AZ 85742 | AFLAC | $63 | — | $63 | 0.07% |
| KAYELA FORD3 | 976 YESTERDAY LANE MEDINA, OH 44256 | AFLAC | $41 | $16 | $57 | 0.07% |
| TULA BOYLES3 Filed as: TULA G BOYLES | 8880 NORTH SILVER MOON WAY TUCSON, AZ 85743 | AFLAC | $49 | — | $49 | 0.06% |
| SCOTT WEBB3 | 26729 NORTTH 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $48 | — | $48 | 0.06% |
| CARLOS CHAVEZ3 Filed as: CARLOS E CHAVEZ | 4750 NORTH ORACLE ROAD SUITE 214 TUCSON, AZ 85705 | AFLAC | $19 | $24 | $43 | 0.05% |
| SARA E BRIERY3 | 4 MARBURG LANE SAVANNAH, GA 31411 | AFLAC | $39 | — | $39 | 0.05% |
| RACHEL DAY3 Filed as: RACHEL S DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | AFLAC | $35 | — | $35 | 0.04% |
| JOHN PATTON3 | 730 BLACK OAK CIRCLE CORONA, CA 92881 | AFLAC | $26 | — | $26 | 0.03% |
| MERLE DALE HALL3 | 3975 EAST CLOCKTOWER LANE APARTMENT 135 MERIDIAN, ID 83642 | AFLAC | $25 | — | $25 | 0.03% |
| RAYANA TAYLER STARRE3 | 5 SAINT ANDREWS ROAD ARDEN, NC 28704 | AFLAC | $20 | — | $20 | 0.02% |
| NICHOLAS J DONIA3 | 843 WEST CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $19 | — | $19 | 0.02% |
| KAMIL A BREEDLOVE3 | 4700 NORTH 16TH STREET APARTMENT 343 PHOENIX, AZ 85016 | AFLAC | $14 | — | $14 | 0.02% |
| JACK GATHINGS3 | 7235 SOUTH GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $9 | — | $9 | 0.01% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN STREET WOODLAND HILLS, CA 91367 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK ROAD APARTMENT 1004 CONSHOHOCKEN, PA 19402 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 515 EAST CAREFREE HIGHWAY PMB 323 PHOENIX, AZ 85085 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $5 | — | $5 | 0.01% |
| NATALIE MALHAM3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 5576 WEST MONTEREY DRIVE TUCSON, AZ 85742 | AFLAC | $5 | — | $5 | 0.01% |
| CHEYANNA SARFF3 | 3737 WEST CROMWELL DRIVE TUCSON, AZ 85741 | AFLAC | $4 | — | $4 | 0.00% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 589 EAST CONESTOGA CIRCVLE GRAND JUNCTION, CO 81504 | AFLAC | $3 | — | $3 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NORTHWEST SUITE G HUNTSVILLE, AL 35805 | AFLAC | $2 | — | $2 | 0.00% |
| JULIA ANN COAST3 | 1409 EAST MALIBU DRIVE TEMPE, AZ 85282 | AFLAC | $2 | — | $2 | 0.00% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.08% |
| NICOLE K VAN WINDEN3 | 411 SOUTH ESSEX LANE TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.07% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| KAYELA MARIE FORD3 | 976 YESTERDAY LANE MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| TULA GEORGINA BOYLES3 | 5227 NORTH FAIRWAY HEIGHTS DRIVE TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| KELLY MCGARRY3 | 8785 NORTH MOONFIRE DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $866 | — | $866 | 1.01% |
| CARLOS EDUARDO CHAVEZ3 | 60 WEST STONE LOOP TUCSON, AZ 85704 | CONTINENTAL AMERICAN INSURANCE COMPANY | $372 | — | $372 | 0.43% |
| SETH G KNOWLTON3 Filed as: SETH GEORGE KNOWLTON | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.37% |
| JARCEY RAUL RODRIGUEZ3 | 3752 WEST 12TH STREET YUMA, AZ 85364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 0.22% |
| KELLY MCGARRY3 | 8785 NORTH MOONFIRE DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.22% |
| KELLY MCGARRY3 | 8785 NORTH MOONFIRE DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.22% |
| RACHEL DAY3 Filed as: RACHEL SUE DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.20% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.19% |
| KAMIL ADRIEENE BREEDLOVE3 | 6101 WEST ARIZONA PAVILLIONS DRIVE APARTMENT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.15% |
| DAVID TRINH3 | 13182 NORTH DEERGRASS DRIVE TUCSON, AZ 85755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.12% |
| ROCHELLE RAE MAURER3 | 425 PEPPER DRIVE SPACE 100 TEHACHAPI, CA 93561 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| NICHOLAS CAFFREY3 | 6502 NORTH CALLE LOTTIE TUCSON, AZ 85718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 WEST FOOTHILL DRIVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HALVORSON INSURANCE INC3 | HALVORSON INSURANCE INC TUCSON, AZ 85731 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | BCBS OF ARIZONA PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $950 | $950 | 5.06% |
| HALVORSON INSURANCE INC3 | 6131 EAST GRANT ROAD TUCSON, AZ 85712 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 15.95% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 208 | $15K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 253 | $105K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 115 | $172K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 343 | $535K |
| Other(2 contracts, 2 carriers) | AFLAC | 115 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.