| 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 | 5.00% |
| 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 | $1K | $14K | 10.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AVESIS INSURANCE INCORPORATED | $3K | — | $3K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | 0.84% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 25451 N 92ND AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.67% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 7202 E ROSEWOOD #200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.51% |
| DEBRA TORNBERG3 | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.25% |
| ALFREDO VARGAS3 | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.25% |
| MICHAEL SHAUN DAGEN3 Filed as: MICHAEL DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.19% |
| KAREN MARIE JONES3 | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.19% |
| TREVOR NORENBERG3 | 1000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.18% |
| HUGH B DEMAREST3 Filed as: HUGH BRIAN DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.14% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE ANN HAUK | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.08% |
| MARK K HASLEY3 Filed as: MARK HASLEY | 21732 N 86TH DR PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY TYLER, TX 75703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| ALFREDO VARGAS3 | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA PAPADOPOLO | 910 W KATHLEEN RD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA PAPADOPOLO | 910 W KATHLEEN RD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| JAMI GONZALEZ3 | 10224 N 66TH DR GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA PAPADOPOLO | 910 W KATHLEEN RD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| JOANN MAY DUVAL-BARTMESS3 Filed as: JOANN DUVAL-BARTMESS | 26016 N 85TH DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $178K |
| CURALINC HEALTHCARE EIN 33-1206383 EAP PROVIDER | Other services Service code 49 | — | $8K |
| HEALTHIEST YOU EIN 30-0947669 TELEMEDICINE PROVIDER | Other services Service code 49 | — | $6K |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 304 | $162K |
| Vision | AVESIS INSURANCE INCORPORATED | 561 | $32K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $132K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $156K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $132K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.