| 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 | $11K | $337 | $11K | 10.20% |
| VARIOUS3 | 50 OTHER AGENTS SCOTTSDALE, AZ 85254 | AFLAC | $5K | $275 | $5K | 5.08% |
| NANCY ELLEN CARLSON3 Filed as: NANCY CARLSON | 17434 N. PARADISE PARK DR. PHOENIX, AZ 85032 | AFLAC | $4K | $194 | $4K | 4.15% |
| DEBRA TORNBERG3 | 14227 N. 14TH STREET PHOENIX, AZ 85022 | AFLAC | $1K | — | $1K | 0.95% |
| MICHAEL SHAUN DAGEN3 Filed as: MICHAEL DAGEN | 30782 N. 126TH AVENUE PEORIA, AZ 85383 | AFLAC | $914 | — | $914 | 0.85% |
| TREVOR NORENBERG3 | 6529 SAHALEE COURT RAPID CITY, SD 57702 | AFLAC | $799 | $22 | $821 | 0.76% |
| CECILIA WOLFSON3 | 4500 N. VIA ENTRADA APT. 122 TUCSON, AZ 85178 | AFLAC | $477 | — | $477 | 0.44% |
| ROBERTSON RYAN & ASSOCIATES3 | 330 E. KILBOURN SUITE 650 MILWAUKEE, WI 532023175 | HUMANA INSURANCE COMPANY | $8K | $165 | $8K | 7.66% |
| SUSAN HENDRICKS3 | 6718 N. PALM CANYON DR. PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 2.41% |
| WEHRLE CONSULTING INC3 Filed as: WEHRLE CONSULTING, INC. | 5820 N. 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 2.03% |
| LAURA M COX3 Filed as: LAURA M. COX | 1501 E. SEQUOIA DR. PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.83% |
| 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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 105 | $101K |
| Vision | HUMANA INSURANCE COMPANY | 105 | $101K |
| Life insurance | HUMANA INSURANCE COMPANY | 105 | $101K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 118 | $109K |
| Other | HUMANA INSURANCE COMPANY | 105 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.