| 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 | DELTA DENTAL OF ARIZONA | $8K | — | $8K | 4.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $811 | — | $811 | 1.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 25451 N 92ND AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | — | $344 | 1.54% |
| DEBRA K TORNBERG3 Filed as: DEBRA TORNBERG | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 0.94% |
| KAREN MARIE JONES3 | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.78% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.71% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY INC | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.18% |
| ALFREDO VARGAS3 Filed as: ALFREDO NIEVES VARGAS JR | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.16% |
| MICHAEL SHAUN DAGEN3 | 13764 W JESSE RED DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| HUGH BRIAN DEMAREST3 | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.09% |
| TREVOR NORENBERG3 | 1000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA ANN SAENZ | 5552 W NORTHWOOD DR GLENDALE, AZ 853102808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY TYLER, TX 75703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| THOMAS RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ANTHONY J WHITBY3 Filed as: ANTHONY WHITBY | 264 N 153RD AVE GOODYEAR, AZ 85338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 3237 JOEFFIE RD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 506 | $178K |
| Vision | VISION SERVICE PLAN | 279 | $45K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $149K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $171K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $149K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.