| 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 | $55K | $0 | $55K | 5.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 22.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $792 | $0 | $792 | 7.74% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | AFLAC | $204 | $0 | $204 | 2.30% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES, INC & AGENTS | 25144 NORTH 107TH WAY SCOTTSDALE, AZ 85255 | AFLAC | $190 | $0 | $190 | 2.14% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-465 PEORIA, AZ 85383 | AFLAC | $92 | $0 | $92 | 1.04% |
| GLEN DOUGLAS GABLE3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $69 | $0 | $69 | 0.78% |
| ROBERT ELI WHITNEY3 Filed as: ROBERT D. ALLEN | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $65 | $0 | $65 | 0.73% |
| JEANNETTE YVONNE DURRANI3 | 14835 NORTH 1ST AVENUE PHOENIX, AZ 85023 | AFLAC | $57 | $0 | $57 | 0.64% |
| CHRISTINA M. EADES3 | 15411 WEST WADDELL ROAD, SUITE 102 SURPRISE, AZ 85379 | AFLAC | $44 | $0 | $44 | 0.50% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $963K |
| Dental | STANDARD INSURANCE COMPANY | 112 | $67K |
| Vision | VISION SERVICE PLAN | 90 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $25K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $34K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $963K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.