| 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 SHEILD OF ARIZONA | $58K | $0 | $58K | 4.98% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | AFLAC | $544 | $0 | $544 | 0.15% |
| TREVOR BRYAN DAVIS3 | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $362 | $79 | $441 | 0.12% |
| H LARAINE OLIPHANT3 Filed as: R LARAINE OLPHANI | 3580 W INA RD STE 150 TUCSON, AZ 85741 | AFLAC | $358 | $0 | $358 | 0.10% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $299 | $19 | $318 | 0.09% |
| NICHOLAS J DONIA3 | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $293 | $20 | $313 | 0.09% |
| TULA BOYLES3 Filed as: TULA G BOYLES | 12495 W GINI LN MARANA, AZ 85653 | AFLAC | $277 | $0 | $277 | 0.08% |
| KIMBERLY J RODRIGUEZ3 | 8809 W BAJA FAIRY DR MARANA, AZ 85653 | AFLAC | $176 | $0 | $176 | 0.05% |
| SETH G KNOWLTON3 | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $173 | $0 | $173 | 0.05% |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $161 | $0 | $161 | 0.04% |
| KEVIN DALE HARLOW3 | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $99 | $0 | $99 | 0.03% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $50 | $0 | $50 | 0.01% |
| KIMBERLY J RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $35 | — | $35 | 0.01% |
| SANDRA L SARFF3 | 3811 E CHICO LN TUCSON, AZ 85739 | AFLAC | $23 | $0 | $23 | 0.01% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 4719 S HARVEST MOON DR GREEN VALLEY, AZ 85622 | AFLAC | $20 | $0 | $20 | 0.01% |
| GILBERT VELASCO3 Filed as: GILBERT E VELASCO | 2563 W CALLE PUEBLA TUCSON, AZ 85745 | AFLAC | $7 | $5 | $12 | 0.00% |
| ERIC PEDERSON3 | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $11 | $0 | $11 | 0.00% |
| DAVID R LATTIMER3 | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $7 | $0 | $7 | 0.00% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $5 | $0 | $5 | 0.00% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 589 E CONESTOGA CIRCLE GRAND JUNCTION, CO 81504 | AFLAC | $4 | $0 | $4 | 0.00% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $4 | $0 | $4 | 0.00% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $1 | $0 | $1 | 0.00% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 11.64% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | PRINCIPAL FINANCIAL GROUP | $562 | $0 | $562 | 7.87% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF ARIZONA | 286 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $172K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $165K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 252 | $527K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $165K |
| Other(2 contracts, 2 carriers) | AFLAC | 252 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.