| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 928684732 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT | ADMINISTRATORS INC 721 S PARKER ST STE 300 ORANGE, CA 926183114 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $112 | $2K | 3.51% |
| JARCEY RAUL RODRIGUEZ3 | 202 S 1ST AVE STE 108 STE 108 YUMA, AZ 85364 | AFLAC | $2K | $540 | $3K | 9.95% |
| RICK M MCKINNEY3 | PO BOX 26132 COLORADO SPRINGS, CO 80936 | AFLAC | $2K | $522 | $2K | 8.04% |
| KASIE L RODRIGUEZ3 | 3752 W 12TH ST YUMA, AZ 85364 | AFLAC | $815 | — | $815 | 2.95% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $320 | $164 | $484 | 1.75% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $166 | $14 | $180 | 0.65% |
| ZAKERY ALLEN HARLOW3 | 3204 N ACADEMY BLVD STE 130 STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $148 | $5 | $153 | 0.55% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 STE 212 TEMPE, AZ 85282 | AFLAC | $32 | — | $32 | 0.12% |
| JARCEY RAUL RODRIGUEZ3 | 202 S 1ST AVE STE 108 STE 108 YUMA, AZ 85364 | AFLAC | $2K | $433 | $3K | 10.68% |
| KASIE L RODRIGUEZ3 | 3752 W 12TH ST YUMA, AZ 85364 | AFLAC | $2K | — | $2K | 7.03% |
| RICK M MCKINNEY3 | PO BOX 26132 COLORADO SPRINGS, CO 80936 | AFLAC | $1K | $428 | $2K | 6.86% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $439 | $29 | $468 | 1.75% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $268 | $126 | $394 | 1.48% |
| ZAKERY ALLEN HARLOW3 | 3204 N ACADEMY BLVD STE 130 STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $99 | $6 | $105 | 0.39% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 STE 212 TEMPE, AZ 85282 | AFLAC | $28 | — | $28 | 0.10% |
| KASIE L RODRIGUEZ3 | 3752 W 12TH ST YUMA, AZ 85364 | AFLAC | $688 | — | $688 | 21.28% |
| JARCEY RAUL RODRIGUEZ3 | 202 S 1ST AVE STE 108 STE 108 YUMA, AZ 85364 | AFLAC | $246 | $31 | $277 | 8.57% |
| RICK M MCKINNEY3 | PO BOX 26132 COLORADO SPRINGS, CO 80936 | AFLAC | $90 | $31 | $121 | 3.74% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $66 | — | $66 | 2.04% |
| ZAKERY ALLEN HARLOW3 | 2960 N ACADEMY BLVD STE 101 STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $20 | $10 | $30 | 0.93% |
| ZAKERY ALLEN HARLOW3 | 3204 N ACADEMY BLVD STE 130 STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $6 | — | $6 | 0.19% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 STE 212 TEMPE, AZ 85282 | AFLAC | $5 | — | $5 | 0.15% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | 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 |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $55K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $55K |
| Other(3 contracts) | AFLAC | 54 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.