| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CO. | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | COMPANION LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - MO | SUITE 900 KANSAS CITY, MT 64112 | DELTA DENTAL OF ARIZONA | $7K | $0 | $7K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - MO | SUITE 900 KANSAS CITY, MT 64112 | DELTA DENTAL OF ARIZONA | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.56% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MT 641843844 | VISION SERVICE PLAN | $1K | — | $1K | 4.61% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. SUITE 900 KANSAS CITY, MT 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $684 | $684 | 4.44% |
| JENNIFER O'ROURKE3 Filed as: JENNIFER A OROURKE | 9225 E TANQUE VERDE RD APT 9103 TUCSON, AZ 85749 | AFLAC | $943 | $116 | $1K | — |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $501 | $23 | $524 | — |
| TULA BOYLES3 | 1236 E LESTER ST TUCSON, AZ 85719 | AFLAC | $408 | $0 | $408 | — |
| TULA BOYLES3 Filed as: TULA G BOYLES | 1236 E LESTER ST TUCSON, AZ 85719 | AFLAC | $245 | $49 | $294 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 717 N HARWOOD ST STE 2500 DALLAS, TX 75201 | AFLAC | $286 | $0 | $286 | — |
| KEVIN DALE HARLOW3 | 2960 N ACADEMY BLVD COLORADO SPRINGS, CO 80917 | AFLAC | $150 | $0 | $150 | — |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $113 | $30 | $143 | — |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $130 | $3 | $133 | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $107 | $0 | $107 | — |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $102 | $0 | $102 | — |
| NICHOLAS J DONIA3 | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $97 | $0 | $97 | — |
| STEPHEN WHITE3 | 615 S TWIN OAKS VALLEY RD APT 46 SAN MARCOS, CA 92078 | AFLAC | $80 | $10 | $90 | — |
| PATTY J NATIONS3 | 7850 N SILVERBELL RD #114-310 TUCSON, AZ 85743 | AFLAC | $68 | $0 | $68 | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $56 | $0 | $56 | — |
| MARK K HASLEY3 | 27132 N 86TH DR PEORIA, AZ 85382 | AFLAC | $52 | $0 | $52 | — |
| JANELL FRANK3 Filed as: JANELL R FRANK | 17606 MAIN ST STE 201 DUMFRIES, VA 22026 | AFLAC | $39 | $0 | $39 | — |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $31 | $0 | $31 | — |
| MARTHA A QUIROZ3 | 2581 W VEREDA VERDE TUCSON, AZ 85746 | AFLAC | $25 | $0 | $25 | — |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $20 | $0 | $20 | — |
| JACK GATHINGS3 | 7235 S GOLFSIDE LN PHOENIX, AZ 85042 | AFLAC | $19 | $0 | $19 | — |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $18 | $0 | $18 | — |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $14 | $0 | $14 | — |
| ERIC PEDERSON3 | 2532 N 4TH ST PMB 556 FLAGSTAFF, AZ 86004 | AFLAC | $8 | $0 | $8 | — |
| HELEN HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $8 | $0 | $8 | — |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $6 | $0 | $6 | — |
| JEFFREY S GIBSON3 | 3009 HUNTON COLLEGE LN GLEN ALLEN, VA 23059 | AFLAC | $6 | $0 | $6 | — |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $6 | $0 | $6 | — |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $5 | $0 | $5 | — |
| ARIZONA BENEFIT PLANS INC3 | 1 E CAMELBACK RD STE 840 PHOENIX, AZ 85012 | AFLAC | $5 | $0 | $5 | — |
| BARBARA ANN MCNAUGHTON3 | 4910 COPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $3 | $0 | $3 | — |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $3 | $0 | $3 | — |
| CECILIA WOLFSON3 | 2701 N RAINBOW BLVD APT 1093 LAS VEGAS, NV 89108 | AFLAC | $2 | $0 | $2 | — |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | $0 | $2 | — |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $2 | $0 | $2 | — |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $2 | $0 | $2 | — |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | $0 | $1 | — |
| ROBERT E LABONTE3 | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $1 | $0 | $1 | — |
| JULIA ANN COAST3 | 1409 E MALIBU DR TEMPE, AZ 85282 | AFLAC | $1 | $0 | $1 | — |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $1 | $0 | $1 | — |
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 | 425 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 149 | $117K |
| Vision | VISION SERVICE PLAN | 173 | $32K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 266 | $573K |
| Short-term disability | AFLAC | 33 | $0 |
| Prescription drug | RXBENEFITS, INC. | 339 | $0 |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.