| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 BELL ROAD SUITE 100 SCOTTSDALE, AZ 85260 | GUARDIAN | $8K | — | $8K | 3.77% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| RUTH C KENTIGIAN INC3 Filed as: RUTH C KENTIGIAN | 20660 N 40TH ST UNIT 2166 PHOENIX, AZ 85050 | AFLAC | $2K | — | $2K | 4.21% |
| APRIL L FARRELL3 | 4600 E WASHINGTON ST STE 310 PHOENIX, AZ 85034 | AFLAC | $763 | — | $763 | 1.60% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS SOLUTIONS LLC | 22501 PARKFIELD MISSION VIEJO, CA 92692 | AFLAC | $544 | — | $544 | 1.14% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $322 | — | $322 | 0.68% |
| ELIZABETH CAROL VESELY3 | 9214 W MARY ANN DR PEORIA, AZ 85382 | AFLAC | $313 | — | $313 | 0.66% |
| GEORGE PADRON3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | AFLAC | $297 | — | $297 | 0.62% |
| JEANNETTE YVONNE DURRANI3 | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $256 | — | $256 | 0.54% |
| ANTHONY J WHITBY3 | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $222 | — | $222 | 0.47% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85310 | AFLAC | $156 | — | $156 | 0.33% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $137 | — | $137 | 0.29% |
| JEFFERY S GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $100 | — | $100 | 0.21% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $99 | — | $99 | 0.21% |
| KIMBERLY J RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $89 | — | $89 | 0.19% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $53 | — | $53 | 0.11% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $50 | — | $50 | 0.11% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $48 | — | $48 | 0.10% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DR 13-B NORTH ELK L NEW MEADOWS, ID 83654 | AFLAC | $43 | — | $43 | 0.09% |
| HUGH B DEMAREST3 | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $42 | — | $42 | 0.09% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $37 | — | $37 | 0.08% |
| PAUL R JEFFRIES3 | 3519 RIVER DR S FARGO, ND 58104 | AFLAC | $33 | — | $33 | 0.07% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85014 | AFLAC | $25 | — | $25 | 0.05% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $22 | — | $22 | 0.05% |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | AFLAC | $20 | — | $20 | 0.04% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $19 | — | $19 | 0.04% |
| LEE C DERUM3 | 13601 S 44TH ST APT 2107 PHOENIX, AZ 85044 | AFLAC | $19 | — | $19 | 0.04% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $17 | — | $17 | 0.04% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $17 | — | $17 | 0.04% |
| MERLE DALE HALL3 | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $12 | — | $12 | 0.03% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.02% |
| BENJAMIN J HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $10 | — | $10 | 0.02% |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $8 | — | $8 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $8 | — | $8 | 0.02% |
| JEFFERY S GIBSON3 | 4030 TATES CREEK RD APT 1004 LEXINGTON, KY 40517 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL J MCNAUGHTON3 | 333 JB RATCLIFF RD RAYVILLE, LA 71269 | AFLAC | $7 | — | $7 | 0.01% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $7 | — | $7 | 0.01% |
| RAYANA TAYLER STARRE3 | 5 SAINT ANDREWS RD ARDEN, NC 28704 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $5 | — | $5 | 0.01% |
| DONALD GREEN Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $5 | — | $5 | 0.01% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $4 | — | $4 | 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% |
| SANDRA L SARFF3 | 3811 EAST CHICO LANE TUCSON, AZ 85739 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFERY S GIBSON3 | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $1 | — | $1 | 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% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | 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 | 10.00% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SHARON OKONIEWSKI4 | 3163 E. BELLERIVE DR CHANDLER, AZ 85249 | PRE-PAID LEGAL SERVICES, INC | $545 | — | $545 | 7.04% |
| GEORGE BENTON4 | 1108 DENIM DR PRESCOTT, AZ 86305 | PRE-PAID LEGAL SERVICES, INC | $27 | — | $27 | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 ADMINISTRATOR | Contract Administrator Service code 13 | — | $82K |
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 | 552 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 306 | $222K |
| Vision | GUARDIAN | 306 | $222K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 516 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 391 | $122K |
| Other(3 contracts, 3 carriers) | AFLAC | 516 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.