| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNWEST INSURANCE, LTD.3 | 20622 N. CAVE CREEK RD. SUITE 122 PHOENIX, AZ 85024 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 6.92% |
| KAREN MARIE JONES3 | 16211 N. SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $2K | — | $2K | 7.09% |
| MJ INSURANCE3 Filed as: 40 VARIOUS AGENTS | 16211 N. SCOTTSDALE RD. STE A6A #614 SCOTTSDALE, AZ 85254 | AFLAC | $1K | — | $1K | 3.36% |
| KORI A ALLEN3 Filed as: KORI A. ALLEN | 24654 N. LAKE PLEASANT PKWY SUITE 103-115 PEORIA, AZ 85383 | AFLAC | $1K | — | $1K | 3.35% |
| NANCY ELLEN CARLSON3 | 9506 W. APPALOOSA DR. SUN CITY, AZ 85373 | AFLAC | $1K | — | $1K | 3.26% |
| DEBRA K TORNBERG3 Filed as: DEBRA K. THORNBERG | 26065 N. 68TH DRIVE PEORIA, AZ 85383 | AFLAC | $593 | — | $593 | 1.92% |
| LANCE D THORSON3 Filed as: LANCE D. THORSON | 6745 N. 93RD AVE. UNIT 1154 GLENDALE, AZ 85305 | AFLAC | $152 | — | $152 | 0.49% |
| ORIN LEE WILLIAMS3 | 1951 KINGSTREE CT. ROCHESTER HILLS, MI 48309 | AFLAC | $108 | — | $108 | 0.35% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 368 | $80K |
| Vision | HUMANA INSURANCE COMPANY | 368 | $80K |
| Life insurance | HUMANA INSURANCE COMPANY | 368 | $80K |
| Short-term disability | AFLAC | 32 | $31K |
| Other | HUMANA INSURANCE COMPANY | 368 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.