| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 700 W. 47TH STREET, SUITE 1100 KANSAS CITY, MO 641121922 | AMERITAS LIFE INSURANCE CORP. | $5K | $2K | $6K | 2.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $6K | $36K | 18.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $21K | 18.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 13.69% |
| JENNIFER O'ROURKE3 | 9225 E TANQUE VERDE RD SUITE 9103 TUCSON, AZ 85749 | AFLAC | $7K | $332 | $7K | 7.97% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $2K | $77 | $2K | 1.95% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $773 | $77 | $850 | 0.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | AFLAC | $762 | — | $762 | 0.86% |
| KEVIN DALE HARLOW3 Filed as: KEVIN HARLOW | 2960 N ACADEMY BLVD. COLORADO SPRINGS, CO 80917 | AFLAC | $547 | — | $547 | 0.62% |
| ZAKERY HARLOW3 | 2030 W BASELINE RD SUITE 182-17062 PHOENIX, AZ 85041 | AFLAC | $478 | — | $478 | 0.54% |
| KAMIL A BREEDLOVE3 Filed as: KAMIL BREEDLOVE | 1701 E MEADOWBROOK AVE APT 365 PHOENIX, AZ 85016 | AFLAC | $442 | — | $442 | 0.50% |
| JANELL FRANK3 | 2005 WAVE DRIVE STAFFORD, VA 22554 | AFLAC | $385 | — | $385 | 0.43% |
| H LARAINE OLIPHANT3 | 3580 W INA RD SUITE 150 TUCSON, AZ 85741 | AFLAC | $374 | — | $374 | 0.42% |
| KIMBERLY J RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $301 | — | $301 | 0.34% |
| CATHERINE DAVIS3 | 9160 E LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $184 | — | $184 | 0.21% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $128 | — | $128 | 0.14% |
| DAVID R LATTIMER3 | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $71 | — | $71 | 0.08% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $67 | — | $67 | 0.08% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $57 | — | $57 | 0.06% |
| MARK HILL3 | 5188 E PARK VISTA DR TUCSON, AZ 85756 | AFLAC | $47 | — | $47 | 0.05% |
| ERIC PEDERSON3 | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $41 | — | $41 | 0.05% |
| JERRY DUNCAN3 Filed as: JERRY F. HOKE | 517 E 3270 N LEHI, UT 84043 | AFLAC | $36 | — | $36 | 0.04% |
| DONALD GREEN3 | 1611 W PACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $33 | — | $33 | 0.04% |
| CHEYANNA SARFF3 | 3737 W CROMWELL DR TUCSON, AZ 85741 | AFLAC | $33 | — | $33 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $32 | — | $32 | 0.04% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN CORBIN LLC | 6950 SW HAMPTON ST SUITE 260 TIGARD, OR 97223 | AFLAC | $30 | — | $30 | 0.03% |
| LAUREL L HARLOW3 | 2030 E BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $27 | — | $27 | 0.03% |
| JULIE KICKER3 Filed as: JULIE A KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | AFLAC | $21 | — | $21 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | AFLAC | $15 | — | $15 | 0.02% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $11 | — | $11 | 0.01% |
| BRENDA S O BERRY3 | PO BOX 686 THATCHER, AZ 85552 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | AFLAC | $9 | — | $9 | 0.01% |
| JACOB C ECHOLS3 | 3850 E BASELINE RD SUITE 600 MESA, AZ 85206 | AFLAC | $8 | — | $8 | 0.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 3850 E BASELINE RD SUITE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $6 | — | $6 | 0.01% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $5 | — | $5 | 0.01% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY S GIBSON3 Filed as: JEFFREY GIBSON | 200 W ELM ST SUITE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $3 | — | $3 | 0.00% |
| MARIA MULLIGAN3 | 15131 W DYNAMITE BLVD SUN CITY WEST, AZ 85387 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $3 | — | $3 | 0.00% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $3 | — | $3 | 0.00% |
| TREVOR BRYAN DAVIS3 | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $2 | — | $2 | 0.00% |
| RAYMOND MULLIGAN3 | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $2 | — | $2 | 0.00% |
| STELLA MAQUERA3 | 4002 E ELMWOOD ST TUCSON, AZ 85711 | AFLAC | $2 | — | $2 | 0.00% |
| JULIA ANN COAST3 Filed as: JULIA COAST | 1409 E MALIBU DR TEMPE, AZ 85282 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MARTIN3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $1 | — | $1 | 0.00% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR TUCSON, AZ 85310 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST. STE 1100 KANSAS CITY, MO 641121922 | VISION SERVICE PLAN | $1K | — | $1K | 2.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $920 | $3K | 13.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | P.O. BOX 632886 CINCINNATI, OH 452632886 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 7.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $172K |
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 | 593 | 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) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 895 | $291K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 895 | $331K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $137K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $288K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $96K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 593 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.