| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APRIL L FARRELL3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $12K | $517 | $13K | 10.88% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD AND OTHER AGENTS | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $8K | $275 | $9K | 7.24% |
| MICHAEL W. POWER3 | 1423 CANYON BRK SAN ANTONIO, TX 78248 | AFLAC | $3K | $38 | $3K | 2.86% |
| CHRISTOPHER RYAN PETTY3 | 1930 SIRIUS GRV SAN ANTONIO, TX 78245 | AFLAC | $3K | $22 | $3K | 2.61% |
| GEORGE PADRON3 | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $2K | $0 | $2K | 1.71% |
| MARYALYCE SKREE3 | 13418 WEST HYACINTH DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $2K | $0 | $2K | 1.55% |
| FRANCISCO CHAVIRA ARAGON3 | 7001 EAST MOUNTAIN VIEW ROAD SCOTTSDALE, AZ 85253 | AFLAC | $1K | $0 | $1K | 1.10% |
| APRIL L FARRELL3 Filed as: APRIL L. FARRELL | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $8K | $590 | $8K | 11.13% |
| MJ INSURANCE3 Filed as: GEORGE PADRON AND VARIOUS AGENTS | 932 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $4K | $536 | $5K | 6.65% |
| MICHAEL W. POWER3 | 1423 CANYON BRK SAN ANTONIO, TX 78248 | AFLAC | $2K | $87 | $2K | 2.20% |
| DANIEL SALDIVAR JR3 Filed as: DANIEL SALDIVAR JR. | 221 LANDMARK CV CIBOLO, TX 78108 | AFLAC | $1K | $35 | $1K | 1.52% |
| GEORGE PADRON3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | AFLAC | $991 | $0 | $991 | 1.34% |
| CHRISTOPHER RYAN PETTY3 | 1930 SIRIUS GRV SAN ANTONIO, TX 78245 | AFLAC | $869 | $50 | $919 | 1.24% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $879 | $0 | $879 | 1.19% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 3430 CARMEL, IN 46082 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $451 | $5K | 13.09% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 3430 CARMEL, IN 46082 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.10% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 197 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $41K |
| Short-term disability(2 contracts) | AFLAC | 146 | $193K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $18K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.