| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $40K | $42K | 4.05% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 7310 NORTH 16TH STREET, SUITE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 85004 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.49% |
| DORADO BENEFIT ADVISORS, LLC3 | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | UNITEDHEALTHCARE INSURANCE COMPANY | $468 | $0 | $468 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 17.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ INC | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | -$8K | $2K | -$6K | -6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1600 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 33.78% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.75% |
| REBECCA B. GARTRELL3 | 6134 WEST CORTEZ STREET GLENDALE, AZ 85304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.13% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY M. BOEHLER | 14301 NORTH 87TH STREET SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.13% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $833 | $0 | $833 | 5.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | HEALTHIEST YOU | $414 | $0 | $414 | 13.76% |
| DORADO BENEFIT ADVISORS, LLC3 Filed as: DORADO BENEFIT ADVISORS | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | HEALTHIEST YOU | $38 | $0 | $38 | 1.26% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $94K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.0M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.