| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 2625 W GERONIMO PL STE 350 CHANDLER, AZ 85224 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $6K | $22K | 6.09% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.39% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 11.87% |
| PAUL ERNEST STEINBRENNER3 | 18976 W. MONROE ST. BUCKEYE, AZ 85326 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.35% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| TREVOR BRYAN DAVIS3 Filed as: TREVOR DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.18% |
| HADASSAH KEENUM3 | 1507 N. 85TH STREET SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.15% |
| ALISON MARIE GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $964 | — | $964 | 0.62% |
| SETH G KNOWLTON3 Filed as: SETH GEORGE KNOWLTON | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $893 | — | $893 | 0.57% |
| KELLY MCGARRY3 | 8785 N MOONFIRE DR TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | — | $603 | 0.39% |
| ALEXANDRA JACOBI3 | 6015 E CALLE MARITA CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $526 | — | $526 | 0.34% |
| NICHOLAS J DONIA3 Filed as: NICHOLAS JOSEPH DONIA | 74 E CAMINO LIMON VERDE SAHUARITA, AZ 85629 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | — | $487 | 0.31% |
| JULIE KICKER3 Filed as: JULIE ALISON KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231 | — | $231 | 0.15% |
| RACHEL DAY3 Filed as: RACHEL SUE DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.14% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.12% |
| CATHERINE DAVIS3 Filed as: CATHERINE BARBARA DAVIS | 9160 E. LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.09% |
| KIMBERLY RODRIGUEZ3 Filed as: KIMBERLY JOY GRAHAM RODRIGUEZ | 1201 N 45TH DR SHOW LOW, AZ 89501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.08% |
| KRISTI KIM GOODELL3 | 10017 E MT. VIEW RD #1074 SCOTTSDALE, AZ 85258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.05% |
| JARCEY RAUL RODRIGUEZ3 | 3952 W 12TH ST YUMA, AZ 85364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| JASON ELIJAH ANGEL3 | 5339 W. MOUNTAIN VIEW RD. GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| MARK ANDREW MARQUEZ3 | 8611 N BLACK CANYON HWY STE 106 PHOENIX, AZ 85021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| FILIPE A COELHO3 | 4515 S. MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LANCE D THORSON3 | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 591 | $358K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 591 | $358K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 506 | $89K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 591 | $358K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 591 | $358K |
| Other(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 506 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.