| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN STREET RACINE, WI 534030000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 5.00% |
| 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 | — | -$26 | -$26 | -0.00% |
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN ST STE 291 RACINE, WI 53403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 6.96% |
| RENE ADRIAN RODRIGUEZ3 | 17625 N 7TH ST PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $889 | $5K | 3.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21700 OXNARD ST STE 1200 WOODLAND HILLS, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $20 | $5K | 3.17% |
| SUSAN HENDRICKS3 | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $212 | $5K | 2.91% |
| GEORGE E GENTRY3 | 10550 W ALEXANDER RD LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| SANDRA KELLY3 | 10223 N 8TH PLACE PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| GENTRY INSURANCE INC3 Filed as: GENTRY INSURANCE, INC. | 9140 WEST COOLBROOK AVENUE PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| DONNA ROSS SMITH3 Filed as: DONNA MARIE WARREN | 4142 N 25TH ST APT 23 PHOENIX, AZ 85016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $704 | $54 | $758 | 0.48% |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 0.42% |
| JAROLD L WELKER3 | 1922 N 45TH ST PHOENIX, AZ 85008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $601 | $3 | $604 | 0.38% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR GERMANTOWN, WI 53022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $105 | $327 | 0.21% |
| KATHRYN LOUISE BALDWIN3 | 3310 E WISTERIA PLACE CHANDLER, AZ 85286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 0.18% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT MICHAEL ANASAGASTI | 5208 SOUTH GOLDLEAF PL CHANDLER, AZ 85249 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.15% |
| DAPHNE STOKES3 | 10221 NORTH 8TH PL PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.10% |
| GARSON FINANCIAL SERVICES S C3 | 904 E PEARSON ST MILWAUKEE, WI 53202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $44 | $128 | 0.08% |
| STERLING J SMITH3 | 701 S DOBSON RD MESA, AZ 85202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.05% |
| DEBORAH ANN BERRY3 | 1042 E 9TH PL MESA, AZ 85203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $1 | $65 | 0.04% |
| JAMES ELDREIDGE SANDERS3 | 168 W VUELTA FRISO SAHUARITA, AZ 85629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| DONNA JEAN NEUZIL3 | 15022 W MONTEREY WAY GOODYEAR, AZ 85395 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| GEORGE WIENER3 | C/O JAN WIENER PHOENIX, AZ 85051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| GEORGE JOSEPH AHUMADA3 | 2629 W MELVIN ST PHOENIX, AZ 85009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| DAVID W HOUK3 | 1826 EAST RANCH RD TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| CAROL JEAN HALL3 | 5737 E CHAPTER DR TUCSON, AZ 85708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.01% |
| MARQUEZ BENEFIT GROUP LLC3 | 11225 NORTH 28TH DR PHOENIX, AZ 85029 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.01% |
| R AND T FIGUEROA LLC3 | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| KENT BISWANGER3 | 8134 W ACOMA DR PEORIA, AZ 85381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| MANUEL TORRES3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| THOMAS RICHARDSON3 | 7355 E THOMPSON PEAK PKWY SCOTTSDALE, AZ 85255 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGN BROWN | 5702 N 11TH ST PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JASON ELIJAH ANGEL3 Filed as: JASON ELLWOOD KING | 7712 W BEHREND DR GLENDALE, AZ 85308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHSNON INSURANCE SERVICES LLC3 | 318 S WASHINGTON ST GREEN BAY, WI 543014242 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $676 | $3K | 8.27% |
| JOHNSON INSURANCE SERVICES LLC3 | 555 MAIN ST RACINE, WI 53403 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.83% |
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 | 121 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $35K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 18 | $9K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 143 | $158K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 143 | $158K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 143 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.