| 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 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.74% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N SCOTTSDALE RD A61 NO 614 SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| DEBRA TORNBERG3 | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.10% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 7202 E ROSEWOOD #200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.09% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 3420 EAST SHEA BLVD SUITE 168 PHOENIX, AZ 85028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | — | $197 | 0.09% |
| ALFREDO VARGAS3 | 10330 W ORANGE DR GLENDALE, AZ 85307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.06% |
| HUGH B DEMAREST3 Filed as: HUGH BRIAN DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.03% |
| MELISSA PAPADOPOLO SCHOFIELD3 | 923 E VOLK LANE SAN TAN VALLEY, AZ 85140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| TREVOR NORENBERG3 | 1000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.03% |
| MICHAEL SHAUN DAGEN3 Filed as: MICHAEL DAGEN | 31661 N 131ST AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.03% |
| ANTHONY J WHITBY3 Filed as: ANTHONY WHITBY | 1122 S N 28TH DR SUITE 216 PHOENIX, AZ 85029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST. PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| MARK K HASLEY3 Filed as: MARK HASLEY | 21925 N 70TH AVE GLENDALE, AZ 85310 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE HAUK | 2100 S COTTONWOOD DR. TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 2732 SPIRIT ROCK TRAIL RENO, NV 89511 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 337 JOLFFIE RD GRANT, AL 35747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JOANNE DUVAL3 | 26016 NORTH 85TH DRIVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAMI GONZALEZ3 | 1207 E EL CAMINO DR PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JEANETTE Y DURRANI3 Filed as: JEANETTE Y. DURRANI | 11 S. CENTRAL AVE. APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF ARIZONA | $10K | — | $10K | 5.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AVESIS INSURANCE INCORPORATED | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $133K |
| HEALTHIEST YOU EIN 30-0947669 TELEMEDICINE PROVIDER | Other services Service code 49 | — | $9K |
| CURALINC HEALTHCARE EIN 33-1206383 EAP PROVIDER | Other services Service code 49 | — | $8K |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 308 | $174K |
| Vision | AVESIS INSURANCE INCORPORATED | 544 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $115K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 370 | $333K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $115K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 370 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.