| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $39K | $0 | $39K | 4.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $5K | $225 | $5K | 11.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $426 | $4K | 17.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $631 | $0 | $631 | 7.57% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | AFLAC | $187 | $0 | $187 | 2.37% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. & AGENTS | 25144 NORTH 107TH WAY SCOTTSDALE, AZ 85255 | AFLAC | $166 | $0 | $166 | 2.11% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-465 PEORIA, AZ 85383 | AFLAC | $99 | $0 | $99 | 1.26% |
| GLEN DOUGLAS GABLE3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $60 | $0 | $60 | 0.76% |
| ROBERT ALLEN3 | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $60 | $0 | $60 | 0.76% |
| JEANNETTE YVONNE DURRANI3 | 14835 NORTH 1ST AVENUE PHOENIX, AZ 85023 | AFLAC | $52 | $0 | $52 | 0.66% |
| CHRISTINA M. EADES3 | 15411 WEST WADDELL ROAD, SUITE 102 SURPRISE, AZ 85379 | AFLAC | $40 | $0 | $40 | 0.51% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 130 | $808K |
| Dental | STANDARD INSURANCE COMPANY | 87 | $43K |
| Vision | VISION SERVICE PLAN | 69 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $24K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 130 | $808K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.