| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MO 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $0 | $49K | 8.06% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $16K | $16K | 2.64% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 1.39% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 901 MARQUETTE AVENUE MINNEAPOLIS, MO 55402 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $200 | $1K | 2.69% |
| JB & H LLC3 Filed as: JB AND H LLC | 8707 EAST SAGUARO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $0 | $1K | 2.29% |
| CAROL JEAN HALL3 | 5737 EAST CHAPTER DRIVE TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT COMPANY | $775 | $3 | $778 | 1.63% |
| BST COMPANIES INC3 | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE & ACCIDENT COMPANY | $700 | $0 | $700 | 1.47% |
| MJ INSURANCE3 Filed as: LORENZA TORRES AND VARIOUS AGENTS | 9636 EAST PASEO SAN BERNARDO TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT COMPANY | $614 | $32 | $646 | 1.36% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 Filed as: KURZ & VALDEZ BENEFIT ENROLLMENT | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85381 | COLONIAL LIFE & ACCIDENT COMPANY | $198 | $134 | $332 | 0.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT COMPANY | $300 | $0 | $300 | 0.63% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 901 MARQUETTE AVENUE MINNEAPOLIS, MO 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | $33 | $771 | 2.45% |
| JB & H LLC3 | 8707 EAST SAGUARO VIEW PIACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | $0 | $647 | 2.05% |
| BST COMPANIES INC3 | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $512 | $0 | $512 | 1.62% |
| JESSICA BABCOCK AND OTHER AGENTS3 | 6129 ABBOTT AVENUE SOUTH EDINA, MN 55410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $39 | $195 | 0.62% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $5 | $152 | 0.48% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 NORTH BLACK CANYON HIGHEAY SUITE 20 PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.35% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVENUE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 13.24% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 513 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $609K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $609K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $609K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
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.