| 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 | $5K | — | $5K | 5.07% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $24 | $8K | 10.68% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $532 | $3K | 4.41% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $37 | $2K | 1.95% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | $237 | $830 | 1.06% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | $86 | $698 | 0.89% |
| JONAH SCOTT FELDMAN3 | 3427 EAST PINOT NOIR AVENUE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 0.57% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 NORTH THOMPSON PEAK PARKWAY SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.24% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.17% |
| GARY MARK HELMS3 | 4230 EAST ELMWOOD STREET MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.04% |
| CECILIA ESCALANTE WOLFSON3 | 2701 NORTH RAINBOW BOULEVARD APARTMENT 1093 LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 31.46% |
| CREST INSURANCE GROUP LLC3 | 7272 EAST INDIAN SCHOOL ROAD SUITE 375 SCOTTSDALE, AZ 85251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $463 | — | $463 | 3.35% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $277 | — | $277 | 2.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.04% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 115 | $106K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $14K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $14K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 115 | $106K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.