| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE RD., SUITE 6 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ, INC. | 16220 N. SCOTTSDALE RD., SUITE 600 SCOTTSDALE, AZ 85254 | PRUDENTIAL | $15K | — | $15K | 6.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | PRUDENTIAL | $6K | — | $6K | 2.49% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE, STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | $0 | $116 | $116 | 0.05% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN LLC | 8612 W. MARY ANN DRIVE PEORIA, AZ 85382 | AFLAC | $9K | $230 | $10K | 8.86% |
| SCOTT WOOD3 Filed as: SCOTT KOSTEL | 9566 E. WINDROSE DR. SCOTTSDALE, AZ 85260 | AFLAC | $6K | $25 | $6K | 5.76% |
| MARIA MULLIGAN3 | 19420 N. 59TH AVE., SUITE C251 GLENDALE, AZ 85308 | AFLAC | $3K | $51 | $3K | 2.39% |
| MULLIGAN BENEFITS LLC3 | 2355 W. PINNACLE PEAK RD. SUITE 380 PHOENIX, AZ 85027 | AFLAC | $2K | $51 | $2K | 1.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N. SCOTTSDALE RD., STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $1K | — | $1K | 1.12% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $441 | — | $441 | 0.40% |
| DONNA NORTHRUP3 | 3501 NORTH FREEWAY SPACE 65 TUCSON, AZ 85705 | AFLAC | $294 | $28 | $322 | 0.29% |
| RAFAEL CHAVARIN3 | 7850 W. MCDOWELL ROD., APT. 2071 PHOENIX, AZ 85035 | AFLAC | $287 | — | $287 | 0.26% |
| RUSSELL M FERREE3 Filed as: RUSSELL FERREE | 14697 W. EDGEMONT AVE. GOODYEAR, AZ 85395 | AFLAC | $268 | — | $268 | 0.25% |
| ORIN LEE WILLIAMS3 Filed as: ORIN WILLIAMS | 5467 E. WOODSTOCK RD. CAVE CREEK, AZ 85331 | AFLAC | $266 | — | $266 | 0.24% |
| GREGORY STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $263 | — | $263 | 0.24% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 3755 N BUSINESS CENTRE DR. SUITE 4 TUCSON, AZ 85705 | AFLAC | $151 | — | $151 | 0.14% |
| ZAKERY HARLOW3 | 3755 N. BUSINESS CENTER DR. TUCSON, AZ 85705 | AFLAC | $122 | $5 | $127 | 0.12% |
| SCOTT WEBB3 | 2355 W. PINNACLE PEAK RD. SUITE 380 PHOENIX, AZ 85027 | AFLAC | $116 | — | $116 | 0.11% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PKWY SUITE 103-465 PEORIA, AZ 85383 | AFLAC | $88 | — | $88 | 0.08% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR. | 3420 E. SHEA BLVD. SUITE 168 PHOENIX, AZ 85028 | AFLAC | $86 | — | $86 | 0.08% |
| NED BILECKI3 | PO BOX 27567 TEMPE, AZ 85285 | AFLAC | $76 | — | $76 | 0.07% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S. RAINBOW BLVD. SUITE 100 LAS VEGAS, NV 89118 | AFLAC | $66 | — | $66 | 0.06% |
| YVONNE STARKEY3 | 10444 N. 69TH ST. PARADISE VALLEY, AZ 85253 | AFLAC | $65 | — | $65 | 0.06% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DR. SW LILBURN, GA 30047 | AFLAC | $59 | — | $59 | 0.05% |
| NICOLE E BRINDLE3 Filed as: NICOLE BRINDLE | 3933 E. ROSEMONTE DRIVE PHOENIX, AZ 85050 | AFLAC | $59 | — | $59 | 0.05% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N. ORACLE RD. 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $55 | — | $55 | 0.05% |
| KEVIN DALE HARLOW3 Filed as: KEVIN HARLOW | 6281 N. ORACLE RD. UNIT 35072 TUCSON, AZ 85740 | AFLAC | $48 | $6 | $54 | 0.05% |
| JENNIFER MATHER3 | 2329 S 101ST DR. TOLLESON, AZ 85353 | AFLAC | $50 | — | $50 | 0.05% |
| SUSAN MULLIGAN3 | 818 S. MANN AVE. TUCSON, AZ 85710 | AFLAC | $49 | — | $49 | 0.04% |
| WILLIAM J SHARP3 Filed as: WILLIAM SHARP | 17836 N. 43RD WAY PHOENIX, AZ 85032 | AFLAC | $44 | — | $44 | 0.04% |
| ALFREDO VARGAS3 | 10330 W. ORANGE DR. GLENDALE, AZ 85307 | AFLAC | $43 | — | $43 | 0.04% |
| JAMES HUNT3 | 15010 N 61ST PL. SCOTTSDALE, AZ 85254 | AFLAC | $40 | — | $40 | 0.04% |
| CRUSADER INSURANCE INC3 Filed as: CRUSADER INSURANCE INC. | 20516 N. 80TH LANE PEORIA, AZ 85382 | AFLAC | $38 | — | $38 | 0.03% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 14430 BENEFIT ST. APT. 308 SHERMAN OAKS, CA 91423 | AFLAC | $30 | — | $30 | 0.03% |
| DONNA BOYER3 | 4376 E. 1050TH AVENUE OBLONG, IL 62449 | AFLAC | $26 | — | $26 | 0.02% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC. | 1835 S. EXTENSION RD. MESA, AZ 85210 | AFLAC | $26 | — | $26 | 0.02% |
| DONALD GREEN3 | 1611 W. PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $25 | — | $25 | 0.02% |
| J M ELLWOOD3 Filed as: J. ELLWOOD | 8220 E. SAN MIGUEL AVE. SCOTTSDALE, AZ 96360 | AFLAC | $19 | — | $19 | 0.02% |
| ERIC PEDERSON3 | 4990 CAMINO DE LOS VIENTOS FLAGSTAFF, AZ 86004 | AFLAC | $16 | — | $16 | 0.01% |
| VIRGINIA RUTH HUNT3 Filed as: VIRGINIA HUNT | 15010 N. 61ST PL. SCOTTSDALE, AL 85254 | AFLAC | $16 | — | $16 | 0.01% |
| DIANA JACKSON3 | 325 LINDEN LANE MATTOON, IL 61938 | AFLAC | $15 | — | $15 | 0.01% |
| ADAM LABBE3 | 22974 S. 210TH ST. QUEEN CREEK, AZ 85142 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $14 | — | $14 | 0.01% |
| FRANK NORTHRUP3 | 7374 N. MONA LISA RD. TUCSON, AZ 85741 | AFLAC | $13 | — | $13 | 0.01% |
| PREFERRED MARKETING CORP3 Filed as: PREFERRED MARKETING CORP. | 1194 E. LAKEVIEW DR. SAN TAN VALLEY, AZ 85143 | AFLAC | $13 | — | $13 | 0.01% |
| SHANE FAIRCHILD3 | 13454 W. PORT ROYALE LN. SURPRISE, AZ 85379 | AFLAC | $10 | — | $10 | 0.01% |
| JACK GATHINGS3 | 7235 S. GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $10 | — | $10 | 0.01% |
| BOBBY JONES3 | 1831 E. DONNER DR. PHOENIX, AZ 85042 | AFLAC | $10 | — | $10 | 0.01% |
| ARIZONA BENEFITS GROUP INC3 Filed as: ARIZONA BENEFITS GROUP, INC. | 7878 N. 16TH ST., SUITE 250 PHOENIX, AZ 85020 | AFLAC | $9 | — | $9 | 0.01% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $9 | — | $9 | 0.01% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR. SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.01% |
| ANNE STRONG3 | 1482 E. TASCAL LOOP TUCSON, AZ 85737 | AFLAC | $7 | — | $7 | 0.01% |
| JULIE KICKER3 | 719 E. COTTONWOOD LN. CASA GRANDE, AZ 85122 | AFLAC | $7 | — | $7 | 0.01% |
| ZACHARY HARTMAN3 | 13820 S. 44TH ST. APT. 1190 PHOENIX, AZ 85044 | AFLAC | $6 | — | $6 | 0.01% |
| DEBORAH A BRIGHTSTAR3 Filed as: DEBORAH BRIGHSTART | 8019 S. QUEEN CREEK DR. TUCSON, AZ 85747 | AFLAC | $6 | — | $6 | 0.01% |
| SHAWN HOLTORF3 | 6234 W. DEHREND DR. APT 1135 GLENDALE, AZ 85308 | AFLAC | $3 | $3 | $6 | 0.01% |
| CALVIN BEGNAUD3 | 605 ASTOR PLACE DR. NEW IBERIA, LA 70563 | AFLAC | $5 | — | $5 | 0.00% |
| MERLE DALE HALL3 Filed as: MERLE HALL | 950 W. BANNOCK ST. STE 1100 BOISE, ID 83702 | AFLAC | $4 | — | $4 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N. 87TH ST. SUITE 313 SCOTTSDALE, AZ 85260 | AFLAC | $4 | — | $4 | 0.00% |
| GARY A YARBROUGH3 Filed as: GARY YARBROUGH | 1436 N. HIGLEY ROAD #100 GILBERT, AZ 85234 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL G. GLADNICK | 3850 E. BASELINE RD. STE 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.00% |
| NATALIE MALHAM3 | 3850 E. BASELINE RD. STE. 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.00% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 10000 N. 31ST AVE., STE. C107 PHOENIX, AZ 85051 | AFLAC | $2 | $1 | $3 | 0.00% |
| PATRICK J NEWSOM3 Filed as: PATRICK NEWSOM | 2506 VIDA SHAW RD. NEW IBERIA, LA 70563 | AFLAC | $2 | — | $2 | 0.00% |
| BRITTON JOHNSON3 | 1069 W. BROAD ST., STE 153 FALLS CHURCH, VA 22046 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLY RODRIGUEZ3 | 37057 S. GAMBEL QUAIL DR. MARANA, AZ 85658 | AFLAC | $2 | — | $2 | 0.00% |
| SUSAN RAY3 | 3473 NORTHLAKE WAY ATLANTA, GA 30340 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER A PISANI3 Filed as: ROGER PISANI | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $1 | — | $1 | 0.00% |
| JODIE GRAY3 | 127 HOLMES CREEK LN LAYTON, UT 84041 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 5.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP. OF AZ | 16220 N. SCOTTSDALE RD., #600 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 753730054 | VISION SERVICE PLAN | $877 | — | $877 | 2.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $604 | — | $604 | 1.82% |
| BKA BENEFITS4 | 6717 W. WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $977 | — | $977 | 12.28% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 4323 SW 18TH PL. CAPE CORAL, FL 33914 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $559 | — | $559 | 7.02% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN & ASSOC. INC. | 954 TYLER ST. HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $312 | — | $312 | 3.92% |
| ALISTAIR EDWARDS4 | 723 OAK MOUNTAIN RD. NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $194 | — | $194 | 2.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $8K |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $2.0M |
| Dental | DELTA DENTAL OF ARIZONA | 109 | $90K |
| Vision | VISION SERVICE PLAN | 30 | $33K |
| Life insurance | PRUDENTIAL | 351 | $226K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 351 | $335K |
| Long-term disability | PRUDENTIAL | 351 | $226K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 351 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.