| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: CLAUDIA FELDMAN AND VARIOUS AGENTS | 9037 EAST CASITAS DEL RIO DRIVE SCOTTSDALE, AZ 85255 | AFLAC | $53K | $3K | $56K | 10.43% |
| NATALIE MALHAM3 | 3850 EAST BASELINE ROAD, SUITE 116 MESA, AZ 85206 | AFLAC | $29K | $2K | $31K | 5.75% |
| CHRISTINA M. EADES3 Filed as: CHRISTINA EADES | 15411 WEST WADDELL ROAD, SUITE 102 SURPRISE, AZ 85379 | AFLAC | $5K | $152 | $5K | 0.88% |
| PARTICIA BOSCH3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $4K | $467 | $4K | 0.82% |
| JOSE IRIZARRY3 | 456 MISTY LANE LEWISVILLE, TX 75067 | AFLAC | $3K | $0 | $3K | 0.65% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DRIVE SOUTH SUITE 510 HOUSTON, TX 77070 | AFLAC | $3K | $328 | $3K | 0.65% |
| BRENT Y TANAMACHI3 Filed as: BRENT TANAMACHI | 2288 KENT STREET SAN MATEO, CA 94403 | AFLAC | $2K | $0 | $2K | 0.44% |
| CSA GENERAL INSURANCE AGENCY3 | UNKNOWN PHOENIX, AZ 85069 | EYEMED VISION CARE | $13K | $0 | $13K | 6.98% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 WEST LAS PALMARITAS PHOENIX, AZ 85021 | EYEMED VISION CARE | $8K | $0 | $8K | 4.02% |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,144 | $193K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,579 | $516K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,579 | $516K |
| Other(2 contracts, 2 carriers) | AFLAC | 1,579 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,144 | — |
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.
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.