| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUSCON, AZ 85711 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.57% |
| CREST INSURANCE GROUP LLC3 | 9921 CARMEL MOUNTAIN ROAD SUITE 423 SAN DIEGO, CA 92131 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.23% |
| CREST INSURANCE GROUP LLC3 | 9921 CARMEL MOUNTAIN ROAD SUITE 423 SAN DIEGO, CA 92131 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.15% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.74% |
| THE BRELLA GROUP3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.37% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.14% |
| THE BRELLA GROUP3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.38% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.97% |
| THE BRELLA GROUP3 Filed as: THE BRELLA GROUP LLC | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.42% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $318 | $2K | 16.24% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $23 | $2K | 15.17% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $132 | $328 | 2.93% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.65% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.09% |
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 | 396 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 472 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 472 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 472 | $2.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $49K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.