| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $75K | $75K | 6.17% |
| ANGELONE & ASSOCIATES, INC.3 | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 6.21% |
| GARRY LYNN JOHNSON3 | 3850 E. BASELINE ROAD SUITE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.01% |
| TINA MARIE ANGOTTI3 | 1145 W. STACEY LANE TEMPE, AZ 85284 | AFLAC | $10K | $811 | $10K | 10.15% |
| BRITTON JOHNSON3 Filed as: BRITTON L. JOHNSON | 1069 W. BROAD STREET SUITE 153 FALLS CHURCH, VA 22046 | AFLAC | $2K | $162 | $2K | 1.76% |
| BRYAN TUCKER3 Filed as: BRYAN D. TUCKER | 24654 N. LAKE PLEASANT PKWY SUITE 101-465 PEORIA, AZ 85383 | AFLAC | $1K | $156 | $1K | 1.14% |
| KATHY LEE BRIGHT3 | 788 E. PEPPER DRIVE CASA GRANDE, AZ 85122 | AFLAC | $963 | — | $963 | 0.94% |
| MELISSA B BOYLE3 Filed as: MELISSA B. BOYLE | 14301 N. 87TH STREET SUITE 313 SCOTTSDALE, AZ 85260 | AFLAC | $894 | $6 | $900 | 0.88% |
| SCOTT WEBB3 | 2355 W. PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $507 | $156 | $663 | 0.65% |
| LAUREL L HARLOW3 Filed as: LAUREL L. HARLOW | 4566 N. 1ST AVENUE SUITE 140 TUCSON, AZ 85718 | AFLAC | $644 | — | $644 | 0.63% |
| PATRICIA J GEE3 Filed as: PATRICIA J. GEE | P.O. BOX 2334 MESA, AZ 85214 | AFLAC | $316 | — | $316 | 0.31% |
| VARIOUS3 | AGENTS SCOTTSDALE, AZ 85258 | AFLAC | $74 | — | $74 | 0.07% |
| JEFFERY S GIBSON3 Filed as: JEFFERY S. GIBSON | 14301 N. 87TH STREET SUITE 313 SCOTTSDALE, AZ 85260 | AFLAC | $59 | — | $59 | 0.06% |
| GREGORY F STENZEL3 Filed as: GREGORY F. STENZEL | 6800 STONY HILL ROAD MCKINNEY, TX 75070 | AFLAC | $53 | — | $53 | 0.05% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 7292 OLSEN FARM STREET LAS VEGAS, NV 89131 | AFLAC | $52 | — | $52 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | AVESIS INSURANCE INCORPORATED | $2K | — | $2K | 10.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $271K |
| Vision | AVESIS INSURANCE INCORPORATED | 304 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $271K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $374K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 316 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.