| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF AZ | $50K | $0 | $50K | 5.00% |
| H LARAINE OLIPHANT3 | 3580 W. INA ROAD STE 150 TUCSON, AZ 85741 | BLUE CROSS BLUE SHIELD OF AZ | $368 | $0 | $368 | 0.04% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METLIFE | $14K | $0 | $14K | 10.60% |
| KIMBERLY J RODRIGUEZ3 | 37057 S. GAMBLE QUAIL DR MARANA, AZ 85658 | AFLAC | $2K | $0 | $2K | 8.24% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | AFLAC | $1K | $0 | $1K | 5.19% |
| H LARAINE OLIPHANT3 | 3580 W INA ROAD STE 150 TUCSON, AZ 85741 | AFLAC | $1K | $67 | $1K | 4.13% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $936 | $0 | $936 | 3.57% |
| MICHELLE MEDRANO3 | 1434 CALLE MORELIA RIO RICO, AZ 85648 | AFLAC | $660 | $9 | $669 | 2.55% |
| KELLY MCGARRY3 | 4750 N ORACLE ROAD STE 214 TUCSON, AZ 85705 | AFLAC | $633 | $0 | $633 | 2.42% |
| KEVIN DALE HARLOW3 | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $263 | $0 | $263 | 1.00% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD. STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $125 | $0 | $125 | 0.48% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $44 | $13 | $57 | 0.22% |
| SANDRA L SARFF3 | 7090 N ORACCLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $50 | $0 | $50 | 0.19% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 E LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $48 | $0 | $48 | 0.18% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $24 | $0 | $24 | 0.09% |
| JERRY DUNCAN3 Filed as: JERRY F HOKE | 517 E 3270 N LEHI, UT 84043 | AFLAC | $24 | $0 | $24 | 0.09% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W. PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $24 | $0 | $24 | 0.09% |
| ERIC PEDERSON3 | 2532 N. 4TH STREET PMB 556 FLAGSTAFF, AZ 86004 | AFLAC | $24 | $0 | $24 | 0.09% |
| SCOTT WEBB3 | 26729 N 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $20 | $0 | $20 | 0.08% |
| JACK GATHINGS3 | 7235 S. GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $13 | $0 | $13 | 0.05% |
| CHAD P SCHNEIDER3 | 1 W SUPERIOR ST APT 1301 CHICAGO, IL 60654 | AFLAC | $8 | $0 | $8 | 0.03% |
| JEFFRY KENT DELLINGER3 | 603 JEFFERSON DAVIS HWY STE 201 FREDERICKSBURG, VA 22401 | AFLAC | $7 | $0 | $7 | 0.03% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | $0 | $2 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LANE PEORIA, AZ 85382 | AFLAC | $1 | $0 | $1 | 0.00% |
| JEFFERY S GIBSON3 | 3009 HUNTON COTTAGE LANE GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE ROAD STE 116 MESA, AZ 85206 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE ROAD STE 116 MESA, AZ 85206 | AFLAC | $1 | $0 | $1 | 0.00% |
| CREST INSURANCE GROUP LLC3 | 2321 NORTH 4TH STREET FLAGSTAFF, AZ 86004 | AVESIS | $1K | $0 | $1K | 10.01% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | PRINCIPAL | $808 | $0 | $808 | 7.90% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 116 | $995K |
| Dental(2 contracts, 2 carriers) | METLIFE | 369 | $143K |
| Vision | AVESIS | 145 | $14K |
| Life insurance | METLIFE | 369 | $133K |
| Short-term disability | METLIFE | 369 | $133K |
| Long-term disability | METLIFE | 369 | $133K |
| Other(2 contracts, 2 carriers) | METLIFE | 369 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.