| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGU OF THE WEST INS SVCS INC3 Filed as: MGU OF THE WEST INS SVCS | ONESOURCE STOPLOSS INS ELK GROVE, CA 95758 | RELIASTAR LIFE INSURANCE COMPANY | $36K | $22K | $58K | 8.00% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA INSURANCE ADVISORS, LLC | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $48K | — | $48K | 6.57% |
| NELSON FINANCIAL GROUP LLC3 | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 3.43% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 BELL ROAD SUITE 100 SCOTTSDALE, AZ 85260 | GUARDIAN | $8K | — | $8K | 3.31% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.43% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| RUTH C KENTIGIAN INC3 | 20660 N 40TH ST UNIT 2166 PHOENIX, AZ 85050 | AFLAC | $6K | $218 | $6K | 9.93% |
| JEANNETTE YVONNE DURRANI3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $922 | $51 | $973 | 1.60% |
| ANTHONY J WHITBY3 | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $532 | $64 | $596 | 0.98% |
| KIMBERLY J RODRIQUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $582 | — | $582 | 0.96% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $487 | — | $487 | 0.80% |
| ELIZABETH CAROL VESELY3 | 9214 W MARY ANN DR PEORIA, AZ 85382 | AFLAC | $459 | — | $459 | 0.76% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $171 | — | $171 | 0.28% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $155 | — | $155 | 0.25% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $145 | — | $145 | 0.24% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $139 | — | $139 | 0.23% |
| JEFFERY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $110 | — | $110 | 0.18% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $90 | — | $90 | 0.15% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $85 | — | $85 | 0.14% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $71 | — | $71 | 0.12% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $58 | — | $58 | 0.10% |
| HUGH B DEMAREST3 | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $45 | — | $45 | 0.07% |
| REGINALD FITZPATRICK3 | 10837 N 57TH DR GLENDALE, AZ 85304 | AFLAC | $41 | — | $41 | 0.07% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DRIVE NEW MEADOWS, ID 83654 | AFLAC | $39 | — | $39 | 0.06% |
| PAUL R JEFFRIES3 | 3519 RIVER DRIVE SOUTH FARGO, ND 58104 | AFLAC | $31 | — | $31 | 0.05% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $29 | — | $29 | 0.05% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $23 | — | $23 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $19 | — | $19 | 0.03% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $18 | — | $18 | 0.03% |
| NATALIE MALHAM3 | 5822 N. 13TH ST PHOENIX, AZ 85014 | AFLAC | $18 | — | $18 | 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% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $16 | — | $16 | 0.03% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | AFLAC | $12 | — | $12 | 0.02% |
| MERLE DALE HALL3 | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $12 | — | $12 | 0.02% |
| JEFFREY A KLEINMAN SR3 | 33202 N. 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $9 | — | $9 | 0.01% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $9 | — | $9 | 0.01% |
| BENJAMIN J HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $9 | — | $9 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL J MCNAUGHTON3 | 333 JB RATCLIFF RD RAYVILLE, LA 71269 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $6 | — | $6 | 0.01% |
| RAYANA TAYLER STARRE3 | 5 SAINT AMDRES RD ARDEN, NC 28704 | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $5 | — | $5 | 0.01% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | 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% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $3 | — | $3 | 0.00% |
| 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% |
| NATALIE MALHAM | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 BELL ROAD SUITE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.20% |
| NELSON FINANCIAL GROUP LLC3 | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | — | $422 | 0.80% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.29% |
| NELSON FINANCIAL GROUP LLC3 | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $680 | — | $680 | 2.71% |
| SHARON OKONIEWSKI4 | 3163 E. BELLERIVE DR CHANDLER, AZ 85249 | PRE-PAID LEGAL SERVICES, INC | $2K | — | $2K | 20.32% |
| GEORGE BENTON4 | 576 MOSHER LN PRESCOTT, AZ 86301 | PRE-PAID LEGAL SERVICES, INC | $27 | — | $27 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 ADMINISTRATOR | Contract Administrator Service code 13 | — | $75K |
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 | 594 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 363 | $232K |
| Vision | GUARDIAN | 363 | $232K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $119K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 847 | $729K |
| Other(4 contracts, 3 carriers) | AFLAC | 584 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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.