| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERTSON RYAN & ASSOCIATES3 | 330 E. KILBOURN SUITE 650 MILWAUKEE, WI 532023175 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 5.23% |
| FIT INSURANCE GROUP, LLC3 Filed as: FIT INSURANCE GROUP | 15065 S. 39TH ST. PHOENIX, AZ 850446676 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N. SCOTTSDALE RD. SUITE A6A NO. 614 SCOTTSDALE, AZ 85254 | AFLAC | $10K | $512 | $11K | 9.80% |
| VARIOUS3 | 65 OTHER AGENTS TUCSON, AZ 85718 | AFLAC | $6K | $548 | $7K | 6.05% |
| NANCY ELLEN CARLSON3 | 17434 N. PARADISE PARK DR. PHOENIX, AZ 85032 | AFLAC | $3K | $150 | $3K | 2.43% |
| DEBRA K TORNBERG3 Filed as: DEBRA K. TORNBERG | 14227 N. 14TH STREET PHOENIX, AZ 85022 | AFLAC | $738 | $163 | $901 | 0.82% |
| HUGH B DEMAREST3 Filed as: HUGH B. DEMAREST | 746 E. EUGIE AVE. PHOENIX, AZ 85022 | AFLAC | $734 | — | $734 | 0.67% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 16211 N. SCOTTSDALE RD, #614 SCOTTSDALE, AZ 85254 | AFLAC | $653 | — | $653 | 0.59% |
| JOANN MAY DUVAL-BARTMESS3 | 10000 N. 31ST AVE. SUITE C107 PHOENIX, AZ 85051 | AFLAC | $629 | — | $629 | 0.57% |
| 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 | $6 | — | $6 | 0.58% |
| 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 | $2 | — | $2 | 0.19% |
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 | 645 | 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) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 651 | $141K |
| Vision | HUMANA INSURANCE COMPANY | 651 | $141K |
| Life insurance | HUMANA INSURANCE COMPANY | 651 | $141K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 110 | $111K |
| Other | HUMANA INSURANCE COMPANY | 651 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.