| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IAN B. ACKERMAN, LTD3 Filed as: IAN B ACKERMAN, LTD | 4747 NORTH 7TH STREET SUITE 426 PHOENIX, AZ 85014 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 10.00% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $386 | $386 | 0.39% |
| UNKNOWN3 | 9437 NORTH 51ST DRIVE GLENDALE, AZ 85302 | AFLAC | $615K | $4 | $615K | 956.05% |
| UNKNOWN3 | 197 NORTH NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $5K | $337 | $6K | 8.95% |
| UNKNOWN3 | 15838 SOUTH 1ST AVENUE PHOENIX, AZ 85045 | AFLAC | $2K | $175 | $3K | 3.89% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 2625 EAST SOUTHERN AVENUE UNIT C202 TEMPE, AZ 85282 | AFLAC | $2K | $39 | $2K | 3.13% |
| UNKNOWN3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $987 | $57 | $1K | 1.62% |
| UNKNOWN3 | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | AFLAC | $741 | $62 | $803 | 1.25% |
| MELISSA B BOYLE3 | 6465 GREENWOOD PLAZA BOULEVARD SUITE 750 MESA, AZ 85206 | AFLAC | $548 | $35 | $583 | 0.91% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS, LLC | 6245 NORTH 24TH PARKWAY SUITE 210 PHOENIX, AZ 85206 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.73% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 190 | $64K |
| Vision | VISION SERVICE PLAN | 134 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $99K |
| Short-term disability | AFLAC | 190 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $99K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
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.