| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $67K | — | $67K | 10.00% |
| MGU OF THE WEST INS SVCS INC3 Filed as: MGU OF THE WEST INS SVCS | ONESOURCE STOPLOSS INS ELK GROVE, CA 95758 | SYMETRA LIFE INSURANCE COMPANY | $33K | $20K | $53K | 7.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD | 2444 W LAS PALMARITAS DRIVE PHOENIX, AZ 85021 | SYMETRA LIFE INSURANCE COMPANY | — | $24K | $24K | 3.64% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | GUARDIAN | $9K | $6K | $15K | 6.31% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.18% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.82% |
| RUTH C KENTIGIAN INC3 | 20660 N 40TH ST UNIT 2166 PHOENIX, AZ 85050 | AFLAC | $6K | $172 | $6K | 10.18% |
| ANTHONY J WHITBY3 | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $1K | $52 | $1K | 2.41% |
| ELIZABETH CAROL VESELY3 | 9214 W MARY ANN DR PEORIA, AZ 85382 | AFLAC | $564 | $28 | $592 | 1.05% |
| JEANNETTE YVONNE DURRANI3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $313 | — | $313 | 0.55% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $260 | $46 | $306 | 0.54% |
| CLAUDIA L FELDMAN3 | 9037 F CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $230 | — | $230 | 0.41% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $175 | — | $175 | 0.31% |
| JEANNETTE YVONNE DURRANI3 | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $175 | — | $175 | 0.31% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $162 | — | $162 | 0.29% |
| HUGH B DEMAREST3 | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $128 | $25 | $153 | 0.27% |
| REGINALD FITZPATRICK3 | 10837 N 57TH DR GLENDALE, AZ 85304 | AFLAC | $146 | — | $146 | 0.26% |
| JEFFERY S GIBSON3 | 3009 HUNTON COTTAGE LN GLEN ALLEN, VA 23059 | AFLAC | $117 | — | $117 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DADESI MYKAL BROWN | 5363 W WETHERSFIELD DR GLENDALE, AZ 85304 | AFLAC | $75 | — | $75 | 0.13% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $67 | — | $67 | 0.12% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $56 | — | $56 | 0.10% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $47 | — | $47 | 0.08% |
| KIMBERLY J RODRIQUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $43 | — | $43 | 0.08% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DRIVE NEW MEADOWS, ID 83654 | AFLAC | $40 | — | $40 | 0.07% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $36 | — | $36 | 0.06% |
| PAUL R JEFFRIES3 | 3519 RIVER DRIVE SOUTH FARGO, ND 58104 | AFLAC | $31 | — | $31 | 0.05% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $23 | — | $23 | 0.04% |
| KAROLINA MONIKA WOLNY3 | 5572 W MELINDA LN GLENDALE, AZ 85308 | AFLAC | $23 | — | $23 | 0.04% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $19 | — | $19 | 0.03% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $17 | — | $17 | 0.03% |
| LEE C DERUM3 | 13601 S 44TH STREET APT 2107 PHOENIX, AZ 85044 | AFLAC | $17 | — | $17 | 0.03% |
| CHAD P SCHNEIDER3 | 1 W SUPERIOR ST APT 1301 CHICAGO, IL 60654 | AFLAC | $17 | — | $17 | 0.03% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $16 | — | $16 | 0.03% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $16 | — | $16 | 0.03% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | AFLAC | $12 | — | $12 | 0.02% |
| MICHAEL J MCNAUGHTON3 | 337 JOEFFIE RD GRANT, AL 35747 | AFLAC | $11 | — | $11 | 0.02% |
| MERLE DALE HALL3 | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $11 | — | $11 | 0.02% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $10 | — | $10 | 0.02% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $6 | — | $6 | 0.01% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $5 | — | $5 | 0.01% |
| BENJAMIN J HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $4 | — | $4 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $3 | — | $3 | 0.01% |
| DEBORAH A BRIGHTSTAR3 | 8049 S QUEEN CREEK DR TUCSON, AZ 85747 | AFLAC | $3 | — | $3 | 0.01% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 3989 W ORANGEWOOD DR TUCSON, AZ 85741 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.61% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$545 | — | -$545 | -1.61% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $930 | — | $930 | 4.00% |
| SHARON OKONIEWSKI4 | 3163 E. BELLERIVE DR CHANDLER, AZ 85249 | PRE-PAID LEGAL SERVICES, INC | $2K | — | $2K | 23.03% |
| GEORGE BENTON4 | 576 MOSHER LN PRESCOTT, AZ 86301 | PRE-PAID LEGAL SERVICES, INC | $34 | — | $34 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 ADMINISTRATOR | Contract Administrator Service code 13 | — | $77K |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 346 | $239K |
| Vision | GUARDIAN | 346 | $239K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 585 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 418 | $125K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 321 | $669K |
| Other(4 contracts, 3 carriers) | AFLAC | 585 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.