| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS COURT STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF AZ | $46K | $0 | $46K | 4.79% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS COURT STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.47% |
| KIMBERLY J RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $2K | $285 | $2K | 8.07% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | AFLAC | $943 | $0 | $943 | 3.38% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $845 | $73 | $918 | 3.29% |
| H LARAINE OLIPHANT3 | 3580 W INA RD STE 150 TUCSON, AZ 85741 | AFLAC | $857 | $0 | $857 | 3.08% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $529 | $73 | $602 | 2.16% |
| KEVIN DALE HARLOW3 | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $249 | $0 | $249 | 0.89% |
| MICHELLE MEDRANO3 | 1434 CALLE MORELIA RIO RICO, AZ 85648 | AFLAC | $77 | $82 | $159 | 0.57% |
| ZAKERY ALLEN HARLOW | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $122 | $0 | $122 | 0.44% |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $45 | $0 | $45 | 0.16% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $45 | $0 | $45 | 0.16% |
| ERIC PEDERSON3 | 2532 N 4TH ST PMB 556 FLAGSTAFF, AZ 86004 | AFLAC | $25 | $0 | $25 | 0.09% |
| JERRY DUNCAN3 Filed as: JERRY F HOKE | 517 E 3270 N LEHI, UT 84043 | AFLAC | $25 | $0 | $25 | 0.09% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $25 | $0 | $25 | 0.09% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $24 | $0 | $24 | 0.09% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $23 | $0 | $23 | 0.08% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $18 | $0 | $18 | 0.06% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LN PHOENIX, AZ 85042 | AFLAC | $11 | $0 | $11 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $7 | $0 | $7 | 0.03% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $4 | $0 | $4 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY MARTIN3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $1 | $0 | $1 | 0.00% |
| JEFFERY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOKOCKEN, PA 19428 | AFLAC | $1 | $0 | $1 | 0.00% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $0 | $0 | $0 | 0.00% |
| LAUREL L HARLOW3 | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $0 | $0 | $0 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS COURT STE 4500 TUCSON, AZ 85711 | PRINCIPAL | $565 | $0 | $565 | 7.85% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 114 | $959K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $160K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $160K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $160K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $160K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.