| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVESIS INCORPORATED3 | 10400 N. 25TH AVENUE, SUITE 200 PHOENIX, AZ 85021 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.74% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $962 | — | $962 | 1.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.79% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | — | $836 | 1.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 13.65% |
| RACHEL PENNINGTON3 Filed as: RACHEL A PENNINGTON | 16 WESTMINSTER DRIVE BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.88% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY L CIELASZYK | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.42% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM W WARDLAW JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $657 | — | $657 | 0.79% |
| EXEL I CARABALLO JR3 | 2929 N 37TH ST APT 6 PHOENIX, AZ 85018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | — | $521 | 0.63% |
| JASON A BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, ME 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $420 | — | $420 | 0.51% |
| NATALIE MALHAM3 Filed as: NATALIE D MALHAM | 3850 E BASELINE ROAD STE 116 MESA, AZ 85206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 0.49% |
| MARY ANNE MILLS3 | 818 LITTLE JOHN DR SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.35% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | 1325 MT HERMAN RD #13B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.35% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE, LLC | 3732 UPLAND DR MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.31% |
| SHEM J BOSTICK3 | 1325 MT. HERMON RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.22% |
| GLEN GABLE3 | 2250 E MALLARD CT GILBERT, AZ 85234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.19% |
| BRAUNWYNN B BRANDON3 | 4575 SIGNAL RIDGE CT BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.15% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, ME 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.13% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.12% |
| SHAWN D HOLTORF3 | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.10% |
| JEFF KLEINMAN3 | 2355 W PINNACLE PEAK RD, STE 380 PHEONIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.10% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.08% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.08% |
| MARIA RADCLIFFE3 Filed as: MARIA K RADCLIFFE | 1105 BRIDLE PATH DR LAWRENCEVILLE, GA 30045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.06% |
| SCOTT WEBB3 | 2355 W. PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| MARIA MULLIGAN3 | 11315 W JOMAX ROAD PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 210 HAVRE D GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| MULLIGAN BENEFITS LLC3 Filed as: MULLIGAN BENEFITS, LLC | BLDG B1, STE 110 PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| JEFFERY S GIBSON3 | 9292 E TOPEKA DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MICHAEL G GLADNICK3 | 2355 WEST PINNACLE PEAK ROAD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| NATALIE MALHAM3 Filed as: NATALIE D CLAWSON | 3850 E BASELINE ROAD STE 116 MESA, AZ 85206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LEILA RAPPAPORT3 | 501 SILVERSIDE RD STE 42 WILMINGTON, DE 19809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.78% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | — | $330 | 1.00% |
| FINANCIAL ASSOCIATES INSURANCE3 | 13840 N NORTHSIGHT BLVD #101 SCOTTSDALE, AZ 85260 | FIDELITY SECURITY LIFE | $126 | — | $126 | 0.49% |
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 | 425 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE | 54 | $26K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 833 | $238K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 425 | $116K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 422 | $179K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $84K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 425 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.