| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N. SCOTTSDALE RD. SUITE A6A NO. 614 SCOTTSDALE, AZ 85254 | AFLAC | $8K | $192 | $9K | 6.85% |
| NANCY ELLEN CARLSON3 | 4312 E. PEAK VIEW RD. CAVE CREEK, AZ 85331 | AFLAC | $6K | $310 | $6K | 4.83% |
| VARIOUS3 | 43 OTHER AGENTS SCOTTSDALE, AZ 85308 | AFLAC | $4K | $113 | $5K | 3.63% |
| CLINTON CHARLES ZELEZ3 | 6986 W. QUAIL AVE. GLENDALE, AZ 85038 | AFLAC | $1K | $100 | $1K | 1.08% |
| MABY JANNETT SANORA3 | 3481 W. AVENIDA SOMBRA TUCSON, AZ 85746 | AFLAC | $1K | $38 | $1K | 1.03% |
| JEFFREY AARON KLEINMANN, SR.3 | 3420 E. SHEA BLVD. SUITE 168 PHOENIX, AZ 85028 | AFLAC | $1K | $25 | $1K | 0.87% |
| SHAWN HOLTORF3 | 6234 WES.T DEHREND DR. APT. 1135 GLENDALE, AZ 85308 | AFLAC | $667 | $75 | $742 | 0.59% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E. KILBOURN SUITE 650 MILWAUKEE, WI 532023175 | HUMANA INSURANCE COMPANY | $7K | $149 | $7K | 8.23% |
| SUSAN HENDRICKS3 | 6718 N. PALM CANYON DR. PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.89% |
| LAURA M COX3 Filed as: LAURA M. COX | 1501 E. SEQUOIA DR. PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.22% |
| WEHRLE CONSULTING INC3 Filed as: WEHRLE CONSULTING, INC. | 5820 N. 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.22% |
| REYNALDO R GRAJEDA3 Filed as: REYNALDO R. GRAJEDA | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.48% |
| BILL HIGHSMITH3 | 9234 N. 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS & ASSOCIATES, LLC | P.O. BOX 27097 PHOENIX, AZ 85061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.48% |
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 | 528 | 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) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 528 | $89K |
| Vision | HUMANA INSURANCE COMPANY | 528 | $89K |
| Life insurance | HUMANA INSURANCE COMPANY | 528 | $89K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 113 | $127K |
| Other | HUMANA INSURANCE COMPANY | 528 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.