| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $5K | $27K | 9.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ INC | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNITEDHEALTH CARE INSURANCE COMPANY | $29K | — | $29K | 14.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ INC | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $724 | $28 | $752 | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $297 | — | $297 | 2.00% |
| JONAH SCOTT FELDMAN3 | 6834 S BIRDIE WAY GILBERT, AZ 85298 | AFLAC | $225 | — | $225 | 1.52% |
| TRACY A JORDAN3 | 1409 W STOTTLER CT CHANDLER, AZ 85224 | AFLAC | $132 | — | $132 | 0.89% |
| ELIZABETH CAROL VESELY3 Filed as: ELIZABETH C VESELY | 10750 W MCDOWELL RD, STE C305 AVONDALE, AZ 85392 | AFLAC | $131 | — | $131 | 0.88% |
| REGINA M BUZZELLO3 | 7832 E HIGHLAND AVE SCOTTSDALE, AZ 85251 | AFLAC | $100 | — | $100 | 0.67% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD, STE 380 PHOENIX, AZ 85027 | AFLAC | $94 | $6 | $100 | 0.67% |
| RAYMOND HEBERT3 Filed as: RAYMOND P HEBERT | 13882 E LAUREL LANE SCOTTSDALE, AZ 85259 | AFLAC | $70 | — | $70 | 0.47% |
| RYAN KADAVY3 | 11225 N 28TH DR, STE C216 PHOENIX, AZ 85029 | AFLAC | $70 | — | $70 | 0.47% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 351 CALIFORNIA ST, STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $60 | — | $60 | 0.40% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $42 | $6 | $48 | 0.32% |
| GREGORY STENZEL3 | 6800 STONY HILL RD MCKINNEY, TX 75070 | AFLAC | $47 | — | $47 | 0.32% |
| MICHAEL BRUNN3 | 19031 33RD AVE W 207 LYNNWOOD, WA 98036 | AFLAC | $47 | — | $47 | 0.32% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD, STE 168 PHOENIX, AZ 85028 | AFLAC | $41 | $5 | $46 | 0.31% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 10750 W MCDOWELL RD STE C305 AVONDALE, AZ 85392 | AFLAC | $42 | — | $42 | 0.28% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | AFLAC | $42 | — | $42 | 0.28% |
| PREFERRED MARKETING CORP3 Filed as: PREFERRED MARKETING CORP. | 7402 KINGS RIVER CT HUMBLE, TX 77346 | AFLAC | $34 | — | $34 | 0.23% |
| JUDI HAAS3 | 11602 N SPOTTED HORSE WAY FOUNTAIN HILLS, AZ 85268 | AFLAC | $28 | — | $28 | 0.19% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $27 | — | $27 | 0.18% |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | AFLAC | $19 | — | $19 | 0.13% |
| CARLOS A CUBILLO3 Filed as: CARLOS CUBILLO | 7813 S 6TH DR PHOENIX, AZ 85041 | AFLAC | $19 | — | $19 | 0.13% |
| CHARLES NELSON3 Filed as: CHARLES EDMUND NELSON | 20280 N 59TH AVE, STE 115-233 GLENDALE, AZ 85308 | AFLAC | $14 | — | $14 | 0.09% |
| RUTH C KENTIGIAN INC3 Filed as: RUTH KENTIGIAN INC | 22809 N 48TH PL PHOENIX, AZ 85054 | AFLAC | $13 | — | $13 | 0.09% |
| LEANN POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $12 | — | $12 | 0.08% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON SPT 1101 BEAUMONT, TX 77705 | AFLAC | $11 | — | $11 | 0.07% |
| MERLE DALE HALL3 | 950 W BANNOCK ST, STE 1100 BOISE, ID 83702 | AFLAC | $11 | — | $11 | 0.07% |
| RICHARD J KUNZ3 Filed as: RICHARD KUNZ | 351 CALIFORNIA ST, STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $10 | — | $10 | 0.07% |
| DOROTHY K BACH3 | 4486 ALICE RD CENTER POINT, IA 52213 | AFLAC | $8 | — | $8 | 0.05% |
| JACOB J MCINTOSH3 Filed as: JACOB MCINTOSH | 19031 33RD AVE W, STE 207 LYNNWOOD, WA 98036 | AFLAC | $8 | — | $8 | 0.05% |
| GLEN DOUGLAS GABLE3 | 3850 E BASELINE RD, STE 116 MESA, AZ 85206 | AFLAC | $7 | — | $7 | 0.05% |
| J M ELLWOOD3 Filed as: JM ELLWOOD | PO BOX 10494 PHOENIX, AZ 85064 | AFLAC | $7 | — | $7 | 0.05% |
| DAVID J HANNANT3 | 11811 NE 1ST ST, STE A203 BELLEVUE, WA 98005 | AFLAC | $7 | — | $7 | 0.05% |
| GEORGE E MIDDLETON3 | 1702 SINGING PALM DR APOPKA, FL 32712 | AFLAC | $6 | — | $6 | 0.04% |
| NATALIE MALHAM3 | 3850 E BASELINE RD, STE 116 MESA, AZ 85206 | AFLAC | $4 | — | $4 | 0.03% |
| BARRY CAMPBELL3 | 2798 COUNTY RD 80 ALGER, OH 45812 | AFLAC | $2 | — | $2 | 0.01% |
| ADAM H MICHAELS3 | 12121 WILSHIRE BLVD, STE 1000 LOS ANGELES, CA 90025 | AFLAC | $1 | — | $1 | 0.01% |
| LEO SUPAK3 | 11800 WILSHIRE AVE NE ALBUQUERQUE, NM 87122 | AFLAC | $1 | — | $1 | 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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,096 | $287K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTH CARE INSURANCE COMPANY | 476 | $214K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTH CARE INSURANCE COMPANY | 476 | $214K |
| Long-term disability | UNITEDHEALTH CARE INSURANCE COMPANY | 476 | $199K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTH CARE INSURANCE COMPANY | 476 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.