| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF ARIZONA | $21K | — | $21K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $54 | — | $54 | 0.01% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5642 E. EDGEMONT AVE SCOTTSDALE, AZ 85257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $11K | $19K | 24.90% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 10.30% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.59% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 5.16% |
| MIRANDELLY HERNANDEZ3 | 6054 N 30TH AVE PHOENIX, AZ 85017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $582 | $3K | 3.83% |
| STEVEN D SCOTT3 | 6406 N 83RD DR GLENDALE, AZ 85305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $71 | $2K | 2.75% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $1K | $2K | 2.23% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 N. THOMPSON PEAK PKWY SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | $501 | $1K | 1.86% |
| GARY MARK HELMS3 | 4230 E ELMWOOD ST MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | $1K | $1K | 1.80% |
| EDUARDO BARAJAS3 | 1703 W NATAL AVE MESA, AZ 85202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $41 | $1K | 1.48% |
| JONAH SCOTT FELDMAN3 | 3427 E PINOT NOIR AVE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $85 | $514 | 0.69% |
| VICTOR MANUEL ZALDO3 | 25714 N 54TH GLEN PHOENIX, AZ 85083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $281 | $453 | 0.61% |
| JOANNE ESCOBAR3 | 5219 W BEVERLY RD LAVEEN, AZ 85339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 0.29% |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL RD PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $16 | $151 | 0.20% |
| LUZ CABRERA RUIZ3 | P.O. BOX 27822 TUCSON, AZ 85726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.17% |
| MANUEL DE CABRERA3 | 4361 N. 106TH AVE PHOENIX, AZ 85037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGHN BROWN | 1939 E MISSOURI AVE APT 5 PHOENIX, AZ 85016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| CHANDA MANSKE3 | 12145 W JESSIE CT SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $7 | $18 | 0.02% |
| AUSTIN WALTON3 | 14414 N. 44TH DR. GLENDALE, AZ 85306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| LAUREN ELIZABETH MILNER3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| KENT BISWANGER3 | 1851 W HIDDENVIEW DR PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD PHOENIX, AZ 85016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INS GROUP LLC | 7272 E. INDIAN SCHOOL ROAD STE 375 SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.91% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | 5050 N 40TH ST # 400 PHOENIX, AZ 85018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.14% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | 5080 N 40TH ST # 400 PHOENIX, AZ 85018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.10% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CR STE 4500 TUCSON, AZ 85711 | AETNA LIFE INSURANCE CO. | $572 | — | $572 | 9.79% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 90 | $422K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $50K |
| Vision | AETNA LIFE INSURANCE CO. | 88 | $6K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 90 | $422K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 172 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.