| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF AZ | $54K | $0 | $54K | 5.19% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.78% |
| KIMBERLY RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $650 | $10 | $660 | 3.61% |
| H LORRAINE OLIPHANT3 | 3580 W. INA ROAD STE 150 TUCSON, AZ 85741 | AFLAC | $547 | $0 | $547 | 2.99% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | AFLAC | $372 | $0 | $372 | 2.03% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $321 | $2 | $323 | 1.77% |
| KELLY MCGARRY3 | 4750 ORACLE ROAD STE 214 TUCSON, AZ 85705 | AFLAC | $276 | $2 | $278 | 1.52% |
| CATHERINE DAVIS3 | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $214 | $0 | $214 | 1.17% |
| KEVIN DALE HARLOW3 Filed as: KEVIN HARLOW | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $164 | $0 | $164 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | AFLAC | $136 | $0 | $136 | 0.74% |
| KAMIL A BREEDLOVE3 Filed as: KAMIL BREEDLOVE | 1701 E MEADOWBROOK AVE APT 355 PHOENIX, AZ 85016 | AFLAC | $132 | $0 | $132 | 0.72% |
| ZACHERY HARLOW3 | 2030 W BASELINE ROAD STE 182 PHOENIX, AZ 85041 | AFLAC | $80 | $0 | $80 | 0.44% |
| TREVOR BRYAN DAVIS3 Filed as: TREVOR DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $32 | $0 | $32 | 0.17% |
| ERIC PEDERSON3 | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $19 | $9 | $28 | 0.15% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $24 | $0 | $24 | 0.13% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $19 | $0 | $19 | 0.10% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $16 | $0 | $16 | 0.09% |
| JULIE KICKER3 | PO BOX 11825 CASA GRANDE, AZ 85130 | AFLAC | $16 | $0 | $16 | 0.09% |
| JERRY HOKE3 | 517 E 3270 N LEHI, UT 84043 | AFLAC | $15 | $0 | $15 | 0.08% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $12 | $0 | $12 | 0.07% |
| NICHOLAS J DONIA3 Filed as: NICHOLAS DONIA | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $12 | $0 | $12 | 0.07% |
| SCOTT WEBB3 | 26729N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | $0 | $6 | 0.03% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $5 | $0 | $5 | 0.03% |
| SHANNON MCKELVEY3 | 197 N NOTTINGHAM LOT 3 PAYSON, AZ 85541 | AFLAC | $4 | $0 | $4 | 0.02% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSOB | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $1 | $0 | $1 | 0.01% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LN PHOENIX, AZ 85042 | AFLAC | $1 | $0 | $1 | 0.01% |
| JEFFERY KLEINMAN SR3 Filed as: JEFFERY KLIEMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $1 | $0 | $1 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH STREET PHOENIX, AZ 85014 | AFLAC | $1 | $0 | $1 | 0.01% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 3850 BASELINE STE 116 MESA, AZ 85206 | AFLAC | $1 | $0 | $1 | 0.01% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | PRINCIPAL | $476 | $0 | $476 | 7.82% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 291 | $1.0M |
| Dental | PRINCIPAL | 55 | $6K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $154K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $154K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.