| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE CO. | $19K | $2K | $21K | 8.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 11.84% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES INC. | 1835 S. EXTENSION RD MESA, AZ 85210 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $9K | — | $9K | 26.94% |
| LISA VALDEZ LEE3 | 9437 N 51ST DR GLENDALE, AZ 85302 | AFLAC | $4K | $10 | $4K | 13.33% |
| DAVID R LATTIMER3 | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $2K | — | $2K | 5.96% |
| GLEN DOUGLAS GABLE3 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $875 | — | $875 | 2.76% |
| TYSON DENNIS GABRIEL3 | 7316 W CANDLEWOOD WAY FLORENCE, AZ 85132 | AFLAC | $567 | $75 | $642 | 2.02% |
| LAMBERT LARRY HOLTON3 | 40351 W PEGGY CT MARICOPA, AZ 85138 | AFLAC | $294 | — | $294 | 0.93% |
| DAVID HEFFRON3 Filed as: DAVID VANN HEFFRON | 3850 E BASELINE RD MESA, AZ 85206 | AFLAC | $262 | — | $262 | 0.83% |
| LAMBERT LARRY HOLTON3 | PO BOX 198 EVENSVILLE, TN 37332 | AFLAC | $62 | — | $62 | 0.20% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $7 | — | $7 | 0.02% |
| WAKHAM ENTERPRISES INC3 | 168 S QUARTZ ST GILBERT, AZ 85296 | AFLAC | $6 | — | $6 | 0.02% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $5 | — | $5 | 0.02% |
| S. PREBLE WARE III3 Filed as: S PREBLE WARE III | 2625 E SOUTHERN AVE UNIT C202 TEMPE, AZ 85282 | AFLAC | $5 | — | $5 | 0.02% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 341 | $260K |
| Vision | AETNA LIFE INSURANCE CO. | 341 | $260K |
| Life insurance | AETNA LIFE INSURANCE CO. | 341 | $260K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 341 | $260K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 341 | $260K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 341 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.