| 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 45263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 9.08% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $132 | $132 | 0.06% |
| SCOTT WOOD3 Filed as: SCOTT KOSTEL | 9566 E WINDROSE DR. SCOTTDALE, AZ 85260 | AFLAC | $9K | $618 | $9K | 7.66% |
| BRYAN G CORBIN LLC3 | 706 OAK MEADOW CT LAKE OSWEGO, OR 97034 | AFLAC | $9K | $319 | $9K | 7.56% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $2K | $80 | $2K | 1.37% |
| MARIA MULLIGAN3 | 24654 N LAKE PLEASANT PARKWAY 103-417 PEORIA, AZ 85383 | AFLAC | $1K | $91 | $1K | 0.99% |
| RAYMOND MULLIGAN3 | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $779 | $92 | $871 | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $523 | — | $523 | 0.42% |
| JAMIE GONZALEZ3 | 1201 E EL CAMINO DR PHOENIX, AZ 85020 | AFLAC | $323 | — | $323 | 0.26% |
| KIMBERLY RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $260 | — | $260 | 0.21% |
| RAFAEL CHAVARIN3 | 8605 W MAGNOLIA ST TOLLESON, AZ 85353 | AFLAC | $228 | — | $228 | 0.18% |
| ORIN LEE WILLIAMS3 Filed as: ORIN WILLIAMS | 313 N. CORRINE DR. GILBERT, AZ 85234 | AFLAC | $196 | — | $196 | 0.16% |
| GREGORY STENZEL3 | 1249 KIOWA DR. W GAINESVILLE, TX 76240 | AFLAC | $191 | — | $191 | 0.15% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $171 | $8 | $179 | 0.14% |
| TIMOTHY KNEIDEL3 | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $173 | — | $173 | 0.14% |
| RUSSELL M FERREE3 Filed as: RUSSELL FERREE | 14697 E EDGEMONT AVE GOODYEAR, AA 85395 | AFLAC | $166 | — | $166 | 0.13% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 3420 E SHEA BLVD SUITE 168 PHOENIX, AZ 85028 | AFLAC | $97 | — | $97 | 0.08% |
| REBECCA LYNN CRANE3 Filed as: REBECCA CRANE | 1409 E IRONWOOD DR CHANDLER, AZ 85225 | AFLAC | $94 | — | $94 | 0.08% |
| DONNA NOTHRUP3 | 3501 N FREEWAY SPC 65 TUCSON, AZ 85705 | AFLAC | $86 | — | $86 | 0.07% |
| SCOTT WEBB3 | 12366 W MILTON DR. PEORIA, AZ 85383 | AFLAC | $84 | — | $84 | 0.07% |
| NED BILECKI3 | PO BOX 27567 TEMPE, AA 85285 | AFLAC | $76 | — | $76 | 0.06% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PARKWAY 103-465 PEORIA, AZ 85383 | AFLAC | $63 | — | $63 | 0.05% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DR. SW LILBURN, GA 30047 | AFLAC | $59 | — | $59 | 0.05% |
| SEAN WHITLEY3 | 1400 E BETHANY HOME RD UNIT 27 PHOENIX, AZ 85014 | AFLAC | $55 | — | $55 | 0.04% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD SUITE 100 LAS VEGAS, NV 89118 | AFLAC | $48 | — | $48 | 0.04% |
| JENNIFER MATHER3 | 2329 S 101ST DR. TOLLESON, AZ 85353 | AFLAC | $45 | — | $45 | 0.04% |
| ALFREDO VARGAS3 | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $43 | — | $43 | 0.03% |
| ANNE STRONG3 | 1482 E TASCAL LOOP TUCSON, AZ 85737 | AFLAC | $41 | — | $41 | 0.03% |
| WILLIAM J SHARP3 Filed as: WILLIAM SHARP | 17836 N 43RD AVE PHOENIX, AZ 85032 | AFLAC | $37 | — | $37 | 0.03% |
| YVONNE STARKEY3 | 10444 N 69TH ST PARADISE VALLEY, AZ 85253 | AFLAC | $36 | — | $36 | 0.03% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 360 W HUBBARD ST APT 1105 CHICAGO, IL 60654 | AFLAC | $34 | — | $34 | 0.03% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $34 | — | $34 | 0.03% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 6200 W ROAN PL TUCSON, AZ 85743 | AFLAC | $30 | — | $30 | 0.02% |
| JAMES HUNT3 | 15010 N 61ST PL SCOTTSDALE, AZ 85254 | AFLAC | $29 | — | $29 | 0.02% |
| DONNA BOYER3 | 4376 E 1050TH AVE OBLONG, IA 62449 | AFLAC | $28 | — | $28 | 0.02% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N SCOTTSDALE RD A61 NO 614 SCOTTDALE, AZ 85254 | AFLAC | $26 | — | $26 | 0.02% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $24 | $2 | $26 | 0.02% |
| CRUSADER INSURANCE INC3 | 20516 80TH LN PEORIA, AZ 85382 | AFLAC | $22 | — | $22 | 0.02% |
| ZAKERY HARLOW3 | 2960 N ACADEMY BLVD SUITE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $20 | $2 | $22 | 0.02% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AA 85210 | AFLAC | $19 | — | $19 | 0.02% |
| ERIC PEDERSON3 | 2615 N 4TH ST SUITE 1 FLAGSTAFF, AA 86004 | AFLAC | $17 | — | $17 | 0.01% |
| DIANA JACKSON3 | 325 LINDEN LN MATTOON, IA 61938 | AFLAC | $16 | — | $16 | 0.01% |
| CN BENEFITS INC3 | 4011 SAN LUIS ST NEWBURY PARK, CA 91320 | AFLAC | $15 | — | $15 | 0.01% |
| J M ELLWOOD3 Filed as: J ELLWOOD | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DR NEWMAN, GA 30265 | AFLAC | $14 | — | $14 | 0.01% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AA 85622 | AFLAC | $13 | — | $13 | 0.01% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $11 | — | $11 | 0.01% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $11 | — | $11 | 0.01% |
| SUSAN MULLIGAN3 | 818 S MANN AVE TUCSON, AZ 85710 | AFLAC | $10 | — | $10 | 0.01% |
| SHANE FAIRCHILD3 | 13454 W PORT ROYALE LN SURPRISE, AZ 85379 | AFLAC | $10 | — | $10 | 0.01% |
| NANCY ELLEN CARLSON3 Filed as: NANCY CARLSON | 17434 N PARADISE PARK DR PHOENIX, AZ 85032 | AFLAC | $10 | — | $10 | 0.01% |
| ADAM LABBE3 | 22974 S 210TH ST QUEEN CREEK, AZ 85142 | AFLAC | $10 | — | $10 | 0.01% |
| BOBBY JONES3 | 1831 E DONNER DR PHOENIX, AZ 85042 | AFLAC | $10 | — | $10 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 3009 HUNTON COTTGE LN GLEN ALLEN, VA 23059 | AFLAC | $10 | — | $10 | 0.01% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $9 | — | $9 | 0.01% |
| VIRGINIA RUTH HUNT3 Filed as: VIRGINIA HUNT | 15010 N 61ST PL SCOTTSDALE, AZ 85254 | AFLAC | $9 | — | $9 | 0.01% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK NORTHRUP3 | 3501 N FREEWAY 65 TUCSON, AZ 85705 | AFLAC | $8 | — | $8 | 0.01% |
| BRADLEY IAN WITT3 Filed as: BRADLEY WITT | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $7 | — | $7 | 0.01% |
| ARIZONA BENEFITS GROUP INC3 Filed as: ARIZONA BENEFITS GROUP INC. | 7878 N 16TH ST STE 250 PHOENIX, AZ 85020 | AFLAC | $7 | — | $7 | 0.01% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $7 | — | $7 | 0.01% |
| JULIE KICKER3 | PO BOX 11825 CASA GRANDE, AZ 85130 | AFLAC | $7 | — | $7 | 0.01% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $4 | — | $4 | 0.00% |
| MERLE DALE HALL3 Filed as: MERLE HALL | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $4 | — | $4 | 0.00% |
| ZACHARY HARTMAN3 | 13820 S 44TH ST APT 1190 PHOENIX, AZ 85044 | AFLAC | $3 | — | $3 | 0.00% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $2 | — | $2 | 0.00% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SILOH, GA 31826 | AFLAC | $1 | — | $1 | 0.00% |
| ANA MARIE GARCIA SMITH3 Filed as: ANA MARIE SMITH | 110 VANDERVIEW DR SEYMOUR, TN 37865 | AFLAC | $1 | — | $1 | 0.00% |
| SHANE DAVISON3 | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $1 | — | $1 | 0.00% |
| JODIE GRAY3 | 127 HOLMES CREEK LN LAYTON, UT 84041 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES CAREY3 | 16165 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BURLEY3 | 3060 W CALLE LUCINDA TUCSON, AZ 85741 | AFLAC | $1 | — | $1 | 0.00% |
| JULIA ANN COAST3 Filed as: JULIA COAST | 1409 E MALIBU DR TEMPE, AZ 85282 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 4.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 4.21% |
| BKA BENEFITS4 | 6717 W. WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 17.43% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $421 | — | $421 | 6.65% |
| ALISTAIR EDWARDS4 | 723 OAK MOUNTAIN RD. NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $72 | — | $72 | 1.14% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN & ASSOC. INC. | 954 TYLER ST. HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $65 | — | $65 | 1.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $128K |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $108K |
| Vision | VISION SERVICE PLAN | 188 | $37K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $233K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $357K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $233K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
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.