| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF ARIZONA | $22K | — | $22K | 5.00% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE AND ACCIDENT COMPANY | $8K | $23 | $8K | 10.48% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT COMPANY | $3K | $635 | $4K | 4.44% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT COMPANY | $1K | $36 | $1K | 1.76% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT COMPANY | $558 | $341 | $899 | 1.11% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT COMPANY | $661 | $215 | $876 | 1.08% |
| JONAH SCOTT FELDMAN3 | 3427 EAST PINOT NOIR AVENUE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT COMPANY | $445 | — | $445 | 0.55% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 NORTH THOMPSON PEAK PARKWAY SCOTTSDALE, AZ 85260 | COLONIAL LIFE AND ACCIDENT COMPANY | $194 | — | $194 | 0.24% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE AND ACCIDENT COMPANY | $127 | — | $127 | 0.16% |
| CECILIA ESCALANTE WOLFSON3 | 2701 NORTH RAINBOW BOULEVARD APARTMENT 1093 LAS VEGAS, NV 89108 | COLONIAL LIFE AND ACCIDENT COMPANY | $49 | $5 | $54 | 0.07% |
| GARY MARK HELMS3 | 4230 EAST ELMWOOD STREET MESA, AZ 85205 | COLONIAL LIFE AND ACCIDENT COMPANY | $42 | — | $42 | 0.05% |
| STEVEN D SCOTT3 | 6406 NORTH 83RD STREET GLENDALE, AZ 85305 | COLONIAL LIFE AND ACCIDENT COMPANY | $16 | — | $16 | 0.02% |
| MANUEL DE CABRERA3 | 4361 NORTH 106TH AVENUE PHOENIX, AZ 85037 | COLONIAL LIFE AND ACCIDENT COMPANY | $12 | — | $12 | 0.01% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | COLONIAL LIFE AND ACCIDENT COMPANY | $3 | — | $3 | 0.00% |
| DAVID PEPIN3 | 9341 FORT BAYARD AVENUE LAS VEGAS, NV 89178 | COLONIAL LIFE AND ACCIDENT COMPANY | $1 | — | $1 | 0.00% |
| WENDY M SHELLY3 Filed as: WENDY MARIE SHELLY | 9947 CORBRIDGE STREET LAS VEGAS, NV 89178 | COLONIAL LIFE AND ACCIDENT COMPANY | $1 | — | $1 | 0.00% |
| EDUARDO BARAJAS3 | 1703 WEST NATAL AVENUE MESA, AZ 85202 | COLONIAL LIFE AND ACCIDENT COMPANY | $1 | — | $1 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INS GROUP LLC | 7272 EAST INDIAN SCHOOL ROAD SUITE 375 SCOTTSDALE, AZ 85251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 10.41% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.07% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $449K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $56K |
| Life insurance | COLONIAL LIFE AND ACCIDENT COMPANY | 139 | $81K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $449K |
| Other | COLONIAL LIFE AND ACCIDENT COMPANY | 139 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.