| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 9TH FLOOR 3800 N CNTRAL AVE PHOENIX, AZ 85102 | BLUECROSS BLUESHIELD OF ARIZONA | $42K | — | $42K | 6.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | DELTA DENTAL OF ARIZONA | $11K | — | $11K | 15.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $858 | $4K | 9.15% |
| PAUL HERSHENBERG3 | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $400 | $3K | 12.35% |
| BRAD M WHITE3 | 10823 W LOUISE DR SUN CITY, AZ 85373 | AFLAC | $2K | $40 | $2K | 8.79% |
| HERSHENBERG & STONE-WALSH INSURANCE3 Filed as: HERSHENBERG & STONE-WALSH INS | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | AFLAC | $2K | $15 | $2K | 7.27% |
| LANCE D THORSON3 Filed as: LANCE R THORSON | 1721 12TH AVE NE WATERTOWN AVE NE, SD 57201 | AFLAC | $558 | $9 | $567 | 2.58% |
| ALFREDO VARGAS3 | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $191 | — | $191 | 0.87% |
| DAVID R LATTIMER3 | 6605 N 93RD AVE GLENDALE, AZ 85303 | AFLAC | $104 | — | $104 | 0.47% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHONFIELD | 5552 W ORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $80 | — | $80 | 0.36% |
| ANNA KIRBY BALDWIN3 | 615 BRASELTON LN MYRTLE BEACH, SC 29588 | AFLAC | $78 | — | $78 | 0.35% |
| CHELSEY PEITZ3 | 31113 N NORTH VALLEY PARKWAY APT 3036 PHOENIX, AZ 85085 | AFLAC | $58 | — | $58 | 0.26% |
| AUBRIE MICHELLE LANE3 | 1867 N 208TH AVE BUCKEYE, AZ 85396 | AFLAC | $32 | — | $32 | 0.15% |
| ALEXANDRA JACOBI3 | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $15 | — | $15 | 0.07% |
| HEAVEN DAWN NORTH3 | 631 W MAIN ST TIPP CITY, OH 45371 | AFLAC | $15 | — | $15 | 0.07% |
| MARK MARQUEZ3 | 8601 N BLACK CANYON HWY SUITE 209 PHOENIX, AZ 85021 | AFLAC | $6 | — | $6 | 0.03% |
| ABEL BARSEGYAN3 | 730 S MARYLAND AVE APT 2 GLENDALE, CA 92105 | AFLAC | $6 | — | $6 | 0.03% |
| HERSHENBERG & STONE-WALSH INSURANCE3 Filed as: HERSHENBERG & STONE-WALSH INS | 2131 E BROADWAY RD SUITE 29 TEMPE, AZ 85282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.43% |
| PAUL BERNIERI3 | 154 HAMPTON RD GARDEN CITY, NJ 11417 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $659 | — | $659 | 6.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL 9TH FLOOR PHOENIX, AZ 85012 | AVESIS INSURANCE INCORPORATED | — | — | $0 | 0.00% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ARIZONA | 226 | $603K |
| Dental | DELTA DENTAL OF ARIZONA | 215 | $71K |
| Vision | AVESIS INSURANCE INCORPORATED | 0 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $69K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $47K |
| Prescription drug | BLUECROSS BLUESHIELD OF ARIZONA | 226 | $603K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.