| 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 ARIZONA | $59K | $0 | $59K | 5.01% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITIAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.84% |
| TREVOR BRYAN DAVIS3 | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $775 | $59 | $834 | 3.79% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | AFLAC | $562 | $0 | $562 | 2.55% |
| H LARAINE OLIPHANT3 | 3580 W INA RD STE 150 TUCSON, AZ 85741 | AFLAC | $427 | $0 | $427 | 1.94% |
| KELLY MCGARRY3 | 4742 N ORACLE RD STE 210 TUCSON, AZ 85705 | AFLAC | $387 | $21 | $408 | 1.85% |
| NICHOLAS J DONIA3 | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $347 | $22 | $369 | 1.67% |
| KIMBERLY RODRIGUEZ3 Filed as: KIMBERLY JOY GRAHAM RODRIGUEZ | 1201 N 45TH DR SHOW LOW, AZ 85901 | AFLAC | $282 | $0 | $282 | 1.28% |
| SETH G KNOWLTON3 | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $217 | $0 | $217 | 0.98% |
| TULA BOYLES3 Filed as: TULA G BOYLES | 12495 W GINI LN MARANA, AZ 85653 | AFLAC | $63 | $63 | $126 | 0.57% |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $91 | $20 | $111 | 0.50% |
| KEVIN DALE HARLOW3 | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $89 | $0 | $89 | 0.40% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $45 | $0 | $45 | 0.20% |
| GILBERT VELASCO3 Filed as: GILBERT E VELASCO | 2563 W CALLE PUEBLA TUCSON, AZ 85745 | AFLAC | $41 | $0 | $41 | 0.19% |
| KAMIL A BREEDLOVE3 | 4700 N 16TH ST APT 343 PHOENIX, AZ 85016 | AFLAC | $32 | $0 | $32 | 0.15% |
| JERRY DUNCAN3 Filed as: JERRY F HOKE | 517 E 3270 N LEHI, UT 84043 | AFLAC | $26 | $0 | $26 | 0.12% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $25 | $0 | $25 | 0.11% |
| ERIC PEDERSON3 | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $25 | $0 | $25 | 0.11% |
| SANDRA L SARFF3 Filed as: SANDRA SARFF | 3811 E CHICO LN TUCSON, AZ 85739 | AFLAC | $21 | $0 | $21 | 0.10% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 4719 S HARVEST MOON DR GREEN VALLEY, AZ 85622 | AFLAC | $18 | $0 | $18 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | AFLAC | $14 | $0 | $14 | 0.06% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $13 | $0 | $13 | 0.06% |
| DAVID R LATTIMER3 | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $12 | $0 | $12 | 0.05% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $4 | $0 | $4 | 0.02% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 589 E CONESTOGA CIR GRAND JUNCTION, CO 81504 | AFLAC | $3 | $0 | $3 | 0.01% |
| JULIE KICKER3 Filed as: JULIE A KICKER | 10167 N ENCORE ST CASA GRANDE, AZ 85122 | AFLAC | $3 | $0 | $3 | 0.01% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 278 | $1.2M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $166K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $166K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $166K |
| Short-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $166K |
| Long-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $166K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 278 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 250 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.