| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 850163491 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 4.17% |
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN STREET RACINE, WI 534030000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.42% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 850160000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 0.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA INSURANC | 2021 W MARCH LN STOCKTON, CA 95207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 7.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2021 W MARCH LN STOCKTON, CA 95207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $489 | $4K | 3.40% |
| SUSAN HENDRICKS3 | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $116 | $3K | 2.68% |
| GENTRY INSURANCE INC3 Filed as: GENTRY INSURANCE, INC. | 9140 WEST COOLBROOK AVENUE PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $131 | $3K | 2.16% |
| KATHRYN LOUISE BALDWIN3 | 3310 E WISTERIA PLACE CHANDLER, AZ 85286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.46% |
| SANDRA KELLY3 | 10223 N 8TH PLACE PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| DEBORAH ANN BERRY3 | 1042 E 9TH PLACE MESA, AZ 85203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $8 | $825 | 0.66% |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $710 | — | $710 | 0.57% |
| JAROLD L WELKER3 | 1922 N 45TH ST PHOENIX, AZ 85008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $22 | $585 | 0.47% |
| STERLING J SMITH3 | 701 S DOBSON RD MESA, AZ 85202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $527 | $24 | $551 | 0.44% |
| GEORGE JOSEPH AHUMADA3 | 2629 W MELVIN ST PHOENIX, AZ 85009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $429 | $42 | $471 | 0.38% |
| HANNA ELIZABETH STONE3 | 1675 EAST CIELO GRANDE AVENUE PHOENIX, AZ 85024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 0.26% |
| MARK MARQUEZ3 | 11225 NORTH 28TH DR PHOENIX, AZ 85029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $175 | $274 | 0.22% |
| DAVID W HOUK3 | 1826 EAST RANCH RD TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 0.21% |
| JAMES ELDREIDGE SANDERS3 | 2320 W PERALTA AVE MESA, AZ 85202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.20% |
| RENE ADRIAN RODRIGUEZ3 | 914 NORTH 73RD PLACE SCOTTSDALE, AZ 85257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $191 | $43 | $234 | 0.19% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $140 | $202 | 0.16% |
| DAPHNE STOKES3 | 10221 NORTH 8TH PL PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 0.13% |
| KENT BISWANGER3 | 8134 W ACOMA DR PEORIA, AZ 85381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $90 | $144 | 0.12% |
| CAROL JEAN HALL3 | PO BOX 15158 TUCSON, AZ 85708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $5 | $97 | 0.08% |
| MANUEL TORRES3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $16 | $67 | 0.05% |
| THOMAS RICHARDSON3 | 1930 W KRISTAL WAY PHOENIX, AZ 85027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $10 | $61 | 0.05% |
| JASON ELIJAH ANGEL3 Filed as: JASON ELLWOOD KING | 7712 W BEHREND DR GLENDALE, AZ 85308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.03% |
| DONNA JEAN NEUZIL3 | 15022 W MONTEREY WAY GOODYEAR, AZ 85395 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| GEORGE WIENER3 | C/O JAN WIENER PHOENIX, AZ 85051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 0.02% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.02% |
| TAMARA DAWN BELCHER3 | 493 MILLER AVE EVANSTON, WY 82930 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MICHAEL ANASAGASTI | 5208 SOUTH GOLDLEAF PL CHANDLER, AZ 85249 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA | INSURANCE SERVICES PO BOX 62683 VIRGINIA BEACH, VA 234662683 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $189 | $2K | 7.02% |
| JOHSNON INSURANCE SERVICES LLC3 | 8700 E PINNACLE PEAK RD SCOTTSDALE, AZ 852553540 | PRINCIPAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI OF SOUTHERN CALIFORNIA INS | 21600 OXNARD ST 8TH FLOOR WOODLAND HILLS, CA 91367 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $892 | — | $892 | 9.03% |
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN ST RACINE, WI 53403 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $84 | — | $84 | 0.85% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $983K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 103 | $30K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 76 | $10K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $125K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $125K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.