| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNWEST INSURANCE, LTD.3 Filed as: SUNWEST INSURANCE LTD. | P.O. BOX 72375 PHOENIX, AZ 85050 | DELTA DENTAL OF ARIZONA | $11K | — | $11K | 12.37% |
| KAREN MARIE JONES3 | 16211 N. SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $1K | — | $1K | 5.82% |
| MJ INSURANCE3 Filed as: 32 VARIOUS AGENTS | 880 N. SILVER MOON WAY TUCSON, AZ 85743 | AFLAC | $752 | — | $752 | 3.08% |
| NANCY ELLEN CARLSON3 | 9506 W. APPALOOSA DR. SUN CITY, AZ 85373 | AFLAC | $586 | — | $586 | 2.40% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 24654 N. LAKE PLEASANT PKWY. SUITE 103-115 PEORIA, AZ 85383 | AFLAC | $429 | — | $429 | 1.76% |
| JARED BERTOLDO3 | 1150 N. EL DORADO PL. UNIT 6251 TUCSON, AZ 85715 | AFLAC | $112 | — | $112 | 0.46% |
| ORIN LEE WILLIAMS3 | 1951 KINGSTREE CT. ROCHESTER HILLS, MI 48309 | AFLAC | $94 | — | $94 | 0.39% |
| HUGH BRIAN DEMAREST3 Filed as: HUGH B. DEMAREST | 746 E. EUGIE AVE. PHOENIX, AZ 85022 | AFLAC | $75 | — | $75 | 0.31% |
| SUNWEST INSURANCE, LTD.3 | 20622 N. CAVE CREEK RD. SUITE 122 PHOENIX, AZ 850244452 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.91% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 207 | $90K |
| Vision | DELTA DENTAL OF ARIZONA | 207 | $90K |
| Life insurance | HUMANA INSURANCE COMPANY | 4 | $17K |
| Short-term disability | AFLAC | 25 | $24K |
| Other | HUMANA INSURANCE COMPANY | 4 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.