| 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 | $9K | — | $9K | 4.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 8.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $899 | — | $899 | 2.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 25451 N 92ND AVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 1.77% |
| KAREN MARIE JONES3 | 29518 N 147TH ST SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | — | $345 | 1.71% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.81% |
| DEBRA TORNBERG3 | 26065 N 68TH DR. PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.72% |
| ALFREDO VARGAS3 Filed as: ALFREDO NIEVES VARGAS JR | 3404 W CHERYL DR STE A250 PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY INC | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.37% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.22% |
| MICHAEL SHAUN DAGEN3 | 13764 W JESSE RED DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.19% |
| TREVOR NORENBERG3 | 1000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.17% |
| HUGH B DEMAREST3 Filed as: HUGH BRIAN DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| KAMI ADRIEENE BREEDLOVE3 | 6101 W ARIZONA PAVILLIONS DR APT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.10% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA ANN SAENZ | 5552 W NORTHWOOD DR GLENDALE, AZ 853102808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.06% |
| MARK K HASLEY3 Filed as: MARK HASLEY | 20905 W COURT ST BUCKEYE, AZ 853963630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY TYLER, TX 75703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| JAMI GONZALEZ3 | 10224 N 66TH DR GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 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 | $2 | — | $2 | 0.01% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE ANN HAUK | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOANN MAY DUVAL-BARTMESS3 Filed as: JOANN MAY DUVAL/BARTMESS | 26016 N 85TH DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $181K |
| CURALINC HEALTHCARE EIN 33-1206383 EAP PROVIDER | Other services Service code 49 | — | $8K |
| UMR, INC. HEALTHSCOPE EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6K |
| 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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 589 | $175K |
| Vision | VISION SERVICE PLAN | 313 | $45K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $172K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $192K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $172K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 428 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.