| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIT INSURANCE GROUP, LLC3 | 15065 S. 39TH ST. PHOENIX, AZ 850446676 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 5.01% |
| SUNWEST INSURANCE, LTD.3 | 20622 N. CAVE CREEK RD. SUITE 122 PHOENIX, AZ 85024 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.92% |
| KAREN MARIE JONES3 | 16211 N. SCOTTSDALE RD. SUITE A6A NO. 614 SCOTTSDALE, AZ 85254 | AFLAC | $9K | $643 | $10K | 10.06% |
| VARIOUS3 | 57 OTHER AGENTS PHOENIX, AZ 85023 | AFLAC | $3K | $261 | $3K | 3.34% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 16211 N. SCOTTSDALE RD. SUITE 614 SCOTTSDALE, AZ 85254 | AFLAC | $2K | $321 | $2K | 2.29% |
| NANCY ELLEN CARLSON3 | 17434 N. PARADISE PARK DR. PHOENIX, AZ 85032 | AFLAC | $1K | — | $1K | 1.21% |
| TULA BOYLES3 Filed as: TULA G. BOYLES | 1236 E. LESTER ST. TUCSON, AZ 85719 | AFLAC | $761 | — | $761 | 0.77% |
| HUGH B DEMAREST3 Filed as: HUGH B. DEMAREST | 746 E. EUGIE AVE. PHOENIX, AZ 85022 | AFLAC | $523 | $131 | $654 | 0.66% |
| ALFREDO N VARGAS3 Filed as: ALFREDO N. VARGAS | 6230 N. FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $398 | $193 | $591 | 0.59% |
| SUSAN HENDRICKS3 | 6718 N. PALM CANYON DR. PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 2.89% |
| JANET WEHRLE3 | 5820 N. 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.22% |
| LAURA M COX3 Filed as: LAURA M. COX | 12943 E. TORO STREET DEWEY, AZ 86327 | 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% |
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 | 703 | 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) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 703 | $111K |
| Vision | HUMANA INSURANCE COMPANY | 703 | $111K |
| Life insurance | HUMANA INSURANCE COMPANY | 703 | $111K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 86 | $100K |
| Other | HUMANA INSURANCE COMPANY | 703 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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.