| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | UNITED HEALTHCARE INSURANCE COMPANY | -$4 | $117K | $117K | 4.17% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 26.24% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 857117456 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $710 | $3K | 12.93% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR TUCSON, AZ 85711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.47% |
| LAUREN ELIZABETH MILNER3 | 1257 E VOLTAIRE AVE PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $393 | $254 | $647 | 2.63% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $195 | $481 | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 9200 WARD PKWY SUITE 500 KANSAS CITY, MO 64114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $65 | $460 | 1.87% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.09% |
| CATHERINE ANN CLAWSON3 | 5822 N 13TH ST PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
| BRENDA LEE CANNING3 | 4227 THRU ST SAINT CLOUD, MN 56303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 4010 CLEARWATER RD APT 202 SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| TIMOTHY STERLING3 | 1314 PLUMWOOD CT WAITE PARK, MN 56387 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $153K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 282 | $37K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $173K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $173K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $173K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $2.8M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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.