| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC | P.O. BOX 632886 CINCINNATI, OH 452632886 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $19K | $20K | 2.28% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 1.92% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GRP LLC | 5285 E. WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.75% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CR TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $648 | $11K | 21.31% |
| BST COMPANIES INC3 Filed as: BST COMPANIES | 481 EAST DOWNTOWN STREET TUCSON, AZ 85701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 11.83% |
| JB & H LLC3 | 8707 E. SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $443 | $5K | 8.70% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 TUCSON, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $668 | $3K | 6.50% |
| SHAWN JEFFERY WARREN3 | 1723 N. 74TH WAY SCOTTSDALE, AZ 85257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $971 | $2K | 4.11% |
| LORENZA TORRES3 | 9636 E. PASEO SAN BERNARDO DR. TUCSON, AL 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $125 | $2K | 4.09% |
| MARINA C LOVE3 Filed as: MARINA C. LOVE | 5470 WEST WHIPPAIL CT. MARANA, AZ 85658 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $244 | $2K | 3.29% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 2.88% |
| CAROL JEAN HALL3 | PO BOX 15158 TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $903 | $33 | $936 | 1.80% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $86 | $522 | 1.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 ATTN COMMISSIONS CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.09% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $825 | — | $825 | 2.91% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $567 | $567 | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.78% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 W LAS PALMARITAS PHOENIX, AZ 85021 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $701 | — | $701 | 4.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 ATTN COMMISSIONS CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | — | $130 | 6.91% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 3.09% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $38 | $38 | 2.02% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $891K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $891K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 141 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 75 | $52K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.