| 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 | $7K | — | $7K | 5.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.21% |
| 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 | 5.52% |
| KAREN MARIE JONES3 | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | — | $350 | 1.57% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 25451 N 92ND AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 1.03% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.40% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.32% |
| DEBRA TORNBERG3 | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.31% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 7202 E ROSEWOOD #200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.25% |
| ALFREDO VARGAS3 Filed as: ALFREDO NIEVES VARGAS JR | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY INC | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.24% |
| MICHAEL SHAUN DAGEN3 | 13764 W JESSE RED DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.20% |
| TREVOR NORENBERG3 | 1000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| HUGH B DEMAREST3 Filed as: HUGH BRIAN DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.13% |
| ALFREDO VARGAS3 | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| MARK K HASLEY3 Filed as: MARK HASLEY | 21732 N 86TH DR PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY TYLER, TX 75703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| KAMI ADRIEENE BREEDLOVE3 | 6101 W ARIZONA PAVILLIONS DR APT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA ANN SAENZ | 910 W KATHLEEN PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| ANTHONY J WHITBY3 Filed as: ANTHONY WHITBY | 264 N 153RD AVE GOODYEAR, AZ 85338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE ANN HAUK | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | 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% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA ANN SAENZ | 910 W KATHLEEN RD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA ANN SAENZ | 910 W KATHLEEN RD PHOENIX, AZ 85023 | 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 | $2 | — | $2 | 0.01% |
| JOANN MAY DUVAL-BARTMESS3 Filed as: JOANN MAY DUVAL/BARTMESS | 26016 N 85TH DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $106K |
| 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 | — | $5K |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 605 | $146K |
| Vision | AVESIS INSURANCE INCORPORATED | 609 | $29K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $101K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $123K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $101K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 403 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.