| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DORADO BENEFIT ADVISORS, LLC3 Filed as: DORADO BENEFIT ADVISORS | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT, HEALTH, IN. | $29K | $0 | $29K | 5.00% |
| DORADO BENEFIT ADVISORS, LLC3 | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $5K | $21K | 11.03% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $592 | $8K | 4.28% |
| DORADO BENEFIT ADVISORS, LLC3 Filed as: DORADO BENEFIT ADVISORS | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | TRANSAMERICA INSURANCE CO. | $25K | $0 | $25K | 22.24% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA INSURANCE CO. | $12K | $0 | $12K | 10.38% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $10K | $0 | $10K | 9.22% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $6K | $0 | $6K | 5.14% |
| IMPACT INTERACTIVE LLC3 Filed as: IMPACT INTERACTIVE, LLC | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $1K | $0 | $1K | 1.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARIZONA | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 22.37% |
| ASHLEY MARIE BOEHLER3 | 8325 EAST ANGUS DRIVE SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $758 | $0 | $758 | 6.37% |
| JOSE A SCHIENEMAN3 Filed as: JOSE ANTONIO SCHIENEMAN | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $624 | $0 | $624 | 5.24% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $445 | $0 | $445 | 3.74% |
| REBECCA BAILEY GARTRELL3 | 7350 EAST ROOSEVELT STREET SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | $0 | $381 | 3.20% |
| REBECCA BAILEY GARTRELL3 Filed as: REBECCA BAILEY SIMSUANGCO | 7350 EAST ROOSEVELT STREET SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 1.33% |
| DORADO BENEFIT ADVISORS, LLC3 | 26108 NORTH 49TH LANE PHOENIX, AZ 85083 | EMPLOYERS DENTAL SERVICES | $407 | $0 | $407 | 10.00% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | EMPLOYERS DENTAL SERVICES | $122 | $0 | $122 | 3.00% |
| DORADO BENEFIT ADVISORS, LLC3 Filed as: DORADO BENEFIT ADVISORS | EAST ADAIR DRIVE PHOENIX, AZ 85012 | HEALTHIEST YOU | $124 | $0 | $124 | 15.05% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT, HEALTH, IN. | 149 | $685K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $190K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $186K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $186K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $186K |
| Prescription drug | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT, HEALTH, IN. | 149 | $572K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.