| 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 | $20K | — | $20K | 5.03% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 11.01% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $366 | $3K | 4.43% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $212 | $2K | 2.65% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $302 | $1K | 1.42% |
| JONAH SCOTT FELDMAN3 | 3427 EAST PINOT NOIR AVENUE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 0.64% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | — | $415 | 0.57% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $109 | $342 | 0.47% |
| MANUEL DE CABRERA3 | 4361 NORTH 106TH AVENUE PHOENIX, AZ 85037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.36% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 NORTH THOMPSON PEAK PARKWAY SCOTTSDALE, AZ 85260 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.22% |
| KENT BISWANGER3 | 17010 SOUTH 32ND PLACE PHOENIX, AZ 85048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $3 | $40 | 0.05% |
| CHRISTOPHER LEE CLAWSON3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| CATHERINE ANN CLAWSON3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| TOWERS BENEFITS GROUP LLC3 | 20235 NORTH CAVE CREEK ROAD PHOENIX, AZ 85024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.02% |
| GLORIA GUERRA3 | 4150 WEST PEORIA AVENUE PHOENIX, AZ 85029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| MARIA LOZANO3 | 36332 WEST VERA CRUZ DRIVE MARICOPA, AZ 85138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| 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 | $5K | $617 | $6K | 8.85% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.24% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 0.13% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.05% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 106 | $402K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $69K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 177 | $73K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 106 | $402K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 177 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.