| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUSCON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $116K | $138K | 4.61% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE # 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.39% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 9.76% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.60% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $492 | $2K | 14.02% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $95 | $279 | 1.76% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $111 | $206 | 1.30% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| BRENDA LEE CANNING3 | 4227 THRU STREET ST CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| CATHERINE ANN CLAWSON3 | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 4010 CLEARWATER ROAD APARTMENT 202 SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| TIMOTHY STERLING3 | 1314 PLUMWOOD COURT WAITE PARK, MN 56387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $3.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $162K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $162K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $162K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
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.