| 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 | $13K | — | $13K | 5.25% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 12.68% |
| ALEXANDRA JACOBI3 Filed as: ALEXANDRA DIBIASI | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.08% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.72% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| KELLY MCGARRY3 | 4750 N ORACLE RD SUITE #214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| KRISTI KIM GOODELL3 Filed as: KRISTI K GOODELL | 10017 E MT. VIEW RD #1074 SCOTTSDALE, AZ 85258 | CONTINENTAL AMERICAN INSURANCE COMPANY | $370 | — | $370 | 0.35% |
| KIMBERLY J RODRIGUEZ3 Filed as: KIMBERLY J GRAHAM RODRIGUEZ | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | — | $324 | 0.30% |
| RACHEL DAY3 Filed as: RACHEL S DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 0.30% |
| JASON E. ANGEL3 Filed as: JASON E ANGEL | 5339 W MOUNTAIN VIEW GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | — | $315 | 0.29% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 0.27% |
| JULIE KICKER3 Filed as: JULIE A KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $253 | — | $253 | 0.24% |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E. LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.17% |
| KESIA CHANG3 | 1732 S CONGRESS AVE #207 PALM SPRINGS, FL 33461 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.09% |
| JARCEY RODRIGUEZ3 | 3970 W 2TH ST YUMA, AZ 85364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.09% |
| JENNIFER UHLMANN3 | 1611 N. SAHUARA AVENUE TUCSON, AZ 85712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.09% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $255K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $255K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $362K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $255K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 603 | $255K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 237 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.