| 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 | AMERITAS LIFE INSURANCE CORP | $10K | $1K | $11K | 5.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 7.82% |
| SCOTT WOOD3 Filed as: SCOTT KOSTEL | 9566 E WINDROSE DR. SCOTTDALE, AZ 85260 | AFLAC | $14K | $278 | $15K | 14.91% |
| CHRISTOPHER E FISCHER3 | 3835 CLYDE MORRIS BLVD UNIT 1306 PORT ORANGE, FL 32129 | AFLAC | $2K | $44 | $2K | 1.88% |
| BRYAN G CORBIN LLC3 | 18625 PILKINGTON RD LAKE OSWEGO, OR 97035 | AFLAC | $1K | — | $1K | 1.43% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 8601 N BLACK CANYON HWY STE 209 PHOENIX, AZ 85021 | AFLAC | $1K | $22 | $1K | 1.39% |
| ALISON GUIDI3 Filed as: ALISON MARIE GUIDI | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $961 | — | $961 | 0.98% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85382 | AFLAC | $393 | $24 | $417 | 0.43% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G CORBIN | 18625 PILKINGTON RD LAKE OSWEGO, OR 97035 | AFLAC | $368 | — | $368 | 0.38% |
| K CONSULTING LLC3 | 1016 10TH WAY WEST PALM BEACH, FL 33407 | AFLAC | $217 | $46 | $263 | 0.27% |
| MARK THOMAS CANNEDY3 | 823 E BROOK HOLLOW DR PHOENIX, AZ 85022 | AFLAC | $243 | — | $243 | 0.25% |
| MARIA MULLIGAN3 | 2330 SNEAD DR OCEANSIDE, CA 92056 | AFLAC | $192 | — | $192 | 0.20% |
| JAMI GONZALEZ3 | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $169 | — | $169 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | AFLAC | $168 | — | $168 | 0.17% |
| JASON ELIJAH ANGEL3 | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | AFLAC | $143 | — | $143 | 0.15% |
| RAYMOND MULLIGAN3 | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $138 | — | $138 | 0.14% |
| HADASSAH KEENUM3 | 1507 N 85TH ST SCOTTSDALE, AZ 85257 | AFLAC | $134 | — | $134 | 0.14% |
| RAFAEL CHAVARIN3 Filed as: RAFAEL E CHAVARIN | 8605 W MAGNOLIA ST TOLLESON, AZ 85353 | AFLAC | $79 | — | $79 | 0.08% |
| ORIN LEE WILLIAMS3 | 1951 KINGSTREE CT ROCHESTER HILLS, MI 48309 | AFLAC | $78 | — | $78 | 0.08% |
| GREGORY F STENZEL3 | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $76 | — | $76 | 0.08% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $73 | — | $73 | 0.07% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 436 LONE STAR LN HIDEAWAY, TX 75771 | AFLAC | $71 | — | $71 | 0.07% |
| RUSSELL M FERREE3 | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $58 | — | $58 | 0.06% |
| NED BILECKI3 Filed as: NED A BILECKI | PO BOX 27567 TEMPE, AZ 85285 | AFLAC | $48 | — | $48 | 0.05% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $31 | $14 | $45 | 0.05% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE DURRANI | 14835 1ST AVE PHOENIX, AZ 85023 | AFLAC | $43 | — | $43 | 0.04% |
| ANNE STRONG3 Filed as: ANNE L STRONG | 1482 E TASCAL LOOP TUCSON, AZ 85737 | AFLAC | $41 | — | $41 | 0.04% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $40 | — | $40 | 0.04% |
| JUDI HAAS3 | 11602 N SPOTTED HORSE WAY FOUNTAIN HILLS, AZ 85268 | AFLAC | $31 | — | $31 | 0.03% |
| JAMES HUNT3 Filed as: JAMES K HUNT | 15010 N 61ST PL SCOTTSDALE, AZ 85254 | AFLAC | $27 | — | $27 | 0.03% |
| SETH G KNOWLTON3 | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $22 | — | $22 | 0.02% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $21 | — | $21 | 0.02% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $20 | — | $20 | 0.02% |
| DONNA BOYER3 Filed as: DONNA J BOYER | 4376 E 1050TH AVE OBLONG, IL 62449 | AFLAC | $19 | — | $19 | 0.02% |
| JENNIFER MATHER3 Filed as: JENNIFER N MATHER | 2664 N ROCA MESA, AZ 85213 | AFLAC | $19 | — | $19 | 0.02% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | AFLAC | $17 | — | $17 | 0.02% |
| ALFREDO VARGAS3 | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $17 | — | $17 | 0.02% |
| DONNA NORTHRUP3 Filed as: DONNA D NORTHRUP | 2534 E BLANTON DR TUCSON, AZ 85716 | AFLAC | $14 | — | $14 | 0.01% |
| HEALTHCARE NETWORKS OF AMERICA3 | 6127 S RAINBOW BLVD STE 100 LAS VEGAS, NV 89118 | AFLAC | $12 | — | $12 | 0.01% |
| KIMBERLY J RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $12 | — | $12 | 0.01% |
| DIANA JACKSON3 Filed as: DIANA L JACKSON | 325 LINDEN LN MATTOON, IL 61938 | AFLAC | $11 | — | $11 | 0.01% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $10 | — | $10 | 0.01% |
| ADAM LABBE3 Filed as: ADAM MICHAEL LABBE | 22974 S 210TH ST QUEEN CREEK, AZ 85142 | AFLAC | $10 | — | $10 | 0.01% |
| BOBBY JONES3 Filed as: BOBBY DEAN JONES | 1831 E DONNER DR PHOENIX, AZ 85042 | AFLAC | $10 | — | $10 | 0.01% |
| PREFERRED MARKETING CORP3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $10 | — | $10 | 0.01% |
| ELLEN R SCHROEDER3 | 441 DUNEDIN WAY GLASGOW, KY 42141 | AFLAC | $8 | — | $8 | 0.01% |
| SHANE FAIRCHILD3 Filed as: SHANE E FAIRCHILD | 13454 W PORT ROYALE LN SURPRISE, AZ 85379 | AFLAC | $7 | — | $7 | 0.01% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $7 | — | $7 | 0.01% |
| LAUREL L HARLOW3 | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $7 | — | $7 | 0.01% |
| VIRGINIA RUTH HUNT3 | 15010 N 61ST PL SCOTTSDALE, AZ 85254 | AFLAC | $7 | — | $7 | 0.01% |
| JULIE KICKER3 Filed as: JULIE A KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | AFLAC | $7 | — | $7 | 0.01% |
| TIMOTHY KNEIDEL3 | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $5 | — | $5 | 0.01% |
| NICOLE E BRINDLE3 | 3933 E ROSEMONTE DR PHOENIX, AZ 85050 | AFLAC | $5 | — | $5 | 0.01% |
| MERLE DALE HALL3 | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 3850 E BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $4 | — | $4 | 0.00% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $4 | — | $4 | 0.00% |
| BRYAN TUCKER3 Filed as: BRYAN D TUCKER | 24654 N LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $3 | — | $3 | 0.00% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $3 | — | $3 | 0.00% |
| GARY W JOHNSON3 | 326 HOLLOW OAK DR UNIT B SUMMERVILLE, SC 29486 | AFLAC | $3 | — | $3 | 0.00% |
| ARIZONA BENEFITS GROUP INC3 | 23308 N 46TH ST PHOENIX, AZ 85085 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY A KLEINMAN SR3 | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $3 | — | $3 | 0.00% |
| SUSAN MULLIGAN3 Filed as: SUSAN B MULLIGAN | 11569 SW DAVIES RD APT 2812 BEAVERTON, OR 97007 | AFLAC | $3 | — | $3 | 0.00% |
| APRIL L FARRELL3 | 1910 S STAPLEY DR STE 221 MESA, AZ 85204 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFERY S GIBSON3 | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $2 | — | $2 | 0.00% |
| GARY W JOHNSON3 | 210 CAMPBELL CIR MT JULIET, TN 37122 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $2 | — | $2 | 0.00% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $2 | — | $2 | 0.00% |
| SANDRA L SARFF3 | 3811 E CHICO LN TUCSON, AZ 85739 | AFLAC | $1 | — | $1 | 0.00% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 4719 S HARVEST MOON DR GREEN VALLEY, AZ 85622 | AFLAC | $0 | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.86% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $1K | — | $1K | 2.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $999 | $562 | $2K | 7.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $173K |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 605 | $195K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 605 | $247K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $67K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 424 | $169K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $138K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
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.