| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | BLUECROSS BLUESHIELD OF ARIZONA | $16K | $0 | $16K | 2.94% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUECROSS BLUESHIELD OF ARIZONA | $9K | $0 | $9K | 1.64% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 9.49% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.71% |
| ROSLYN M KLEINMAN3 Filed as: ROSLYN KLEINMAN | 20860 NORTH TATUM BLVD, SUITE 322 PHOENIX, AZ 85050 | AFLAC | $879 | $70 | $949 | 4.39% |
| ERNEST GREEN3 Filed as: ERNEST GREEN AND OTHER AGENTS | 2313 NORTH 66TH STREET SCOTTSDALE, AZ 85257 | AFLAC | $754 | $98 | $852 | 3.94% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS. ADVISORS., LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | AFLAC | $524 | $0 | $524 | 2.43% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR. | 3420 EAST SHEA BLVD, SUITE 168 PHOENIX, AZ 85028 | AFLAC | $394 | $0 | $394 | 1.82% |
| CECILIA WOLFSON3 | 4500 NORTH VIA ENTRADA, SUITE 122 TUCSON, AZ 85718 | AFLAC | $308 | $45 | $353 | 1.63% |
| SHAWN HOLTORF3 | 5522 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $183 | $0 | $183 | 0.85% |
| JANELL FRANK3 | 9110 RAILROAD DRIVE, SUITE 230 MANASSAS PARK, VA 20111 | AFLAC | $120 | $16 | $136 | 0.63% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS, LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | EYEMED VISION CARE | $536 | $0 | $536 | 6.42% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 1050 WEST WASHINGTON STREET TEMPE, AZ 85281 | EYEMED VISION CARE | $315 | $0 | $315 | 3.77% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ARIZONA | 74 | $535K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $99K |
| Vision | EYEMED VISION CARE | 113 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $99K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $99K |
| Prescription drug | BLUECROSS BLUESHIELD OF ARIZONA | 74 | $535K |
| Other | AFLAC | 31 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.