| 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 | BANNER HEALTH AND AETNA HEALTH | — | $4K | $4K | 0.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST. STE 1100 KANSAS CITY, MO 64112 | AMERITAS LIFE INSURANCE CORP. | $3K | $947 | $4K | 6.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.44% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1881 S CARRAIGE LANE CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.05% |
| DEBRA TORNBERG3 | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | — | $411 | 2.48% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DR. STE 212 TEMPE, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.92% |
| JAMI GONZALEZ3 | 1207 E EL CAMINO DR. PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.40% |
| PAMELA UTTER3 | 7750 W BOCA RATON RD PEORIA, AZ 85381 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.39% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.25% |
| GLEN GABLE3 | 2250 E MALLARD CT GILBERT, AK 85234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.24% |
| MICHAEL SHAUN DAGEN3 Filed as: MICHAEL DAGEN | 31661 N 131ST AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.17% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.17% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 337 JOLFFIE RD. GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| ROBERT LABONTE3 | 1659 W SAN REMO GILBERT, AZ 85233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.10% |
| EXEL IVAN CARABALLO JR3 Filed as: EXEL CARABALLO JR. | PO BOX 80152 PHOENIX, AZ 85060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ BENEFITS AND INS SERVICES INC. EIN 31-1582098 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 107 | $545K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $149K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $93K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $110K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $93K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.