| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | GUARDIAN | $6K | — | $6K | 3.51% |
| CAPITAL FINANCIAL PLC3 | 14614 N. KIERLAND BLVD SUITE N230 SCOTTSDALE, AZ 85254 | GUARDIAN | $4K | — | $4K | 2.37% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN | $4K | — | $4K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.04% |
| CAPITAL FINANCIAL PLC3 | 14614 N. KIERLAND BLVD SUITE N230 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.32% |
| CAPITAL FINANCIAL PLC3 | 14614 N. KIERLAND BLVD SUITE N230 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| APRIL L FARRELL3 | 1910 S STAPLEY DR, STE 221 MESA, AZ 85204 | AFLAC | $2K | $219 | $2K | 6.42% |
| ALISON GUIDI3 Filed as: ALISON MARIE GUIDI | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $253 | $46 | $299 | 0.92% |
| CANDYCE PALMER | 1368 E WASHINGTON AVE GILBERT, AZ 85234 | AFLAC | $272 | — | $272 | 0.83% |
| CHRISTINE A HAUK3 | 1114 S MYERS ST, APT B OCEANSIDE, CA 92054 | AFLAC | $141 | $46 | $187 | 0.57% |
| GEORGE PADRON3 | 11 S CENTRAL AVE, APT 2115 PHOENIX, AZ 85004 | AFLAC | $182 | $0 | $182 | 0.56% |
| ELIZABETH CAROL VESELY3 | 9214 W MARY ANN DR PEORIA, AZ 85382 | AFLAC | $177 | $0 | $177 | 0.54% |
| JOSEPH R GUNTHER3 | 327 N TIAGO DR GILBERT, AZ 85233 | AFLAC | $67 | $0 | $67 | 0.21% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | AFLAC | $63 | $0 | $63 | 0.19% |
| JEFFREY S GIBSON3 | 5061 MAGNOLIA GARDENS PL LEXINGTON, KY 40515 | AFLAC | $61 | — | $61 | 0.19% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $55 | — | $55 | 0.17% |
| JEANNETTE YVONNE DURRANI3 | 14835 N 1ST AVE PHOENIX, AZ 85023 | AFLAC | $51 | — | $51 | 0.16% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $51 | — | $51 | 0.16% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR, STE 212 TEMPE, AZ 85282 | AFLAC | $49 | — | $49 | 0.15% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $46 | — | $46 | 0.14% |
| ANTHONY J WHITBY3 | 15120 W ROOSEVELT ST GOODYEAR, AZ 85338 | AFLAC | $33 | — | $33 | 0.10% |
| PAUL R JEFFRIES3 | 3519 RIVER DR S FARGO, ND 58104 | AFLAC | $31 | — | $31 | 0.10% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW, STE G HUNTSVILLE, AL 35805 | AFLAC | $30 | — | $30 | 0.09% |
| KIMBERLY RODRIGUEZ3 Filed as: KIMBERLY JOY GRAHAM RODRIGUEZ | 1201 N 45TH DR SHOW LOW, AZ 85901 | AFLAC | $27 | — | $27 | 0.08% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $23 | — | $23 | 0.07% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $19 | — | $19 | 0.06% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $17 | — | $17 | 0.05% |
| LEE C DERUM3 | 13601 S 44TH ST, APT 2107 PHOENIX, AZ 85044 | AFLAC | $17 | — | $17 | 0.05% |
| PREFERRED MARKETING CORP3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $15 | — | $15 | 0.05% |
| CHAD P SCHNEIDER3 | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $14 | — | $14 | 0.04% |
| SETH G KNOWLTON3 | 11396 N SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $14 | — | $14 | 0.04% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $14 | — | $14 | 0.04% |
| MERLE DALE HALL3 | 3975 E CLOCKTOWER LN APT 135 MERIDIAN, ID 83642 | AFLAC | $11 | — | $11 | 0.03% |
| SANDRA L SARFF3 Filed as: SANDRA L SARAFF | 3811 E CHICO LN TUCSON, AZ 85739 | AFLAC | $9 | — | $9 | 0.03% |
| BENJAMIN J HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $9 | — | $9 | 0.03% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $8 | — | $8 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $7 | — | $7 | 0.02% |
| KELLY MCGARRY3 | 4742 N ORACLE RD STE 210 TUCSON, AZ 85705 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL J MCNAUGHTON3 | 115 MIZELL LN WEST MONROE, LA 71291 | AFLAC | $6 | — | $6 | 0.02% |
| RAYANA TAYLER STARRE3 | 5 SAINT ANDREWS RD ARDEN, NC 28704 | AFLAC | $5 | — | $5 | 0.02% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 4719 S HARVEST MOON DR GREEN VALLEY, AZ 85622 | AFLAC | $5 | — | $5 | 0.02% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY A KLEINMAN ST | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD, STE 116 MESA, AZ 85206 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 436 LONE STAR LN HIDEAWAY, TX 75771 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY F STENZEL3 | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN BURLEY3 Filed as: JOHN DOUGLAS BURLEY | 5576 W MONTEREY DR TUCSON, AZ 85742 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY S GIBSON3 | 4030 TATES CREEK RD, APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL G RYAN3 | PO BOX 60 CHROMO, CO 81128 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED2 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.14% |
| CAPITAL FINANCIAL PLC3 | 14614 N. KIERLAND BLVD SUITE N230 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| SHARON OKONIEWSKI4 | 1 OAKWOOD DRIVE PETALUMA, CA 94954 | PRE-PAID LEGAL SERVICES, INC | $147 | — | $147 | 5.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $144K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 NONE | Other services; Claims processing Service code 12 | — | $60K |
| HUB INTERNATIONAL EIN 03-3031504 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $52K |
| CAPITAL FINANCIAL EIN 20-5078854 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $34K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $19K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 269 | $181K |
| Vision | GUARDIAN | 269 | $181K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 521 | $59K |
| Short-term disability | AFLAC | 42 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 394 | $153K |
| Other(3 contracts, 3 carriers) | AFLAC | 521 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.