| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIT INSURANCE GROUP, LLC3 | 15065 S. 39TH ST. PHOENIX, AZ 850446676 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 6.12% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 N. SCOTTSDALE RD. SUITE A6A NO. 614 SCOTTSDALE, AZ 85254 | AFLAC | $15K | $273 | $15K | 12.67% |
| VARIOUS3 | 55 OTHER AGENTS PEORIA, AZ 85383 | AFLAC | $4K | $236 | $4K | 3.58% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 16211 N. SCOTTSDALE RD. SUITE 614 SCOTTSDALE, AZ 85254 | AFLAC | $3K | $84 | $4K | 2.91% |
| NANCY ELLEN CARLSON3 | 17434 N. PARADISE PARK DR. PHOENIX, AZ 85032 | AFLAC | $1K | $39 | $2K | 1.24% |
| HUGH B DEMAREST3 Filed as: HUGH B. DEMAREST | 746 E. EUGIE AVE. PHOENIX, AZ 85022 | AFLAC | $1K | $80 | $1K | 1.09% |
| MELISSA A SCHOFIELD3 | 11620 N. 39TH ST. PHOENIX, AZ 85028 | AFLAC | $626 | — | $626 | 0.51% |
| ALFREDO N VARGAS3 Filed as: ALFREDO N. VARGAS | 6230 N. FLORENCE AVE. LITCHFIELD PARK, AZ 85340 | AFLAC | $501 | $62 | $563 | 0.46% |
| SUSAN HENDRICKS3 | 6718 N. PALM CANYON DR. PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 2.83% |
| JANET WEHRLE3 | 5820 N. 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.19% |
| LAURA M COX3 Filed as: LAURA M. COX | 12943 E. TORO STREET DEWEY, AZ 86327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.19% |
| REYNALDO R GRAJEDA3 Filed as: REYNALDO R. GRAJEDA | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.51% |
| BILL HIGHSMITH3 | 9234 N. 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.51% |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 657 | $151K |
| Vision | HUMANA INSURANCE COMPANY | 657 | $151K |
| Life insurance | HUMANA INSURANCE COMPANY | 657 | $151K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 122 | $122K |
| Other | HUMANA INSURANCE COMPANY | 657 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.