| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $8K | $23K | 7.60% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.37% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.69% |
| TREVOR BRYAN DAVIS3 Filed as: TREVOR DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.81% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| ALEXANDRA JACOBI3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| SETH G KNOWLTON3 Filed as: SETH GEORGE KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| NICHOLAS J DONIA3 Filed as: NICHOLAS JOSEPH DONIA | 74 E CAMINO LIMON VERDE SAHUARITA, AZ 85629 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| KELLY MCGARRY3 | 8785 N MOONFIRE DR TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $955 | — | $955 | 0.68% |
| RACHEL DAY3 Filed as: RACHEL SUE DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.22% |
| KIMBERLY RODRIGUEZ3 Filed as: KIMBERLY JOY GRAHAM RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | — | $293 | 0.21% |
| JULIE KICKER3 Filed as: JULIE ALISON KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.20% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | — | $275 | 0.20% |
| CATHERINE DAVIS3 Filed as: CATHERINE BARBARA DAVIS | 9160 E. LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.12% |
| KRISTI KIM GOODELL3 | 10017 E MT. VIEW RD #1074 SCOTTSDALE, AZ 85258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.09% |
| JARCEY RAUL RODRIGUEZ3 | 3970 W 24TH ST YUMA, AZ 85364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.06% |
| MARK ANDREW MARQUEZ3 | 8611 N BLACK CANYON HWY STE 106 PHOENIX, AZ 85021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| JASON ELIJAH ANGEL3 | 5339 W. MOUNTAIN VIEW RD. GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.05% |
| LANCE D THORSON3 | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| JENNIFER UHLMANN3 | 1611 N. SAHUARA AVENUE TUCSON, AZ 85712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| FILIPE A COELHO3 | 4515 S. MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARK ANDREW MARQUEZ3 | 5339 W. MOUNTAIN VIEW RD. GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 15.00% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $303K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $303K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $388K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $303K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $303K |
| Other(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 526 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.