| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $28K | $64K | 13.85% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $65 | $65 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $774 | $4K | 3.76% |
| JB & H LLC3 | 8707 E SAGUARO VIEW PL VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | — | $2K | 2.62% |
| BST COMPANIES INC3 | 319 N CAMERON VIEW PL TUSCON, AZ 85745 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | — | $2K | 1.76% |
| CAROL JEAN HALL3 | 5737 E CHAPTER DR TUSCON, AZ 85708 | COLONIAL LIFE & ACCIDENT COMPANY | $987 | $20 | $1K | 1.06% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 Filed as: KURZ & VALDEZ BENEFIT ENROLLMENT | 14640 N 90TH DR PEORIA, AZ 85381 | COLONIAL LIFE & ACCIDENT COMPANY | $364 | $419 | $783 | 0.83% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT COMPANY | $701 | — | $701 | 0.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT COMPANY | $400 | — | $400 | 0.42% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT COMPANY | $274 | $100 | $374 | 0.39% |
| JESSICA MERRY BABCOCK3 | 6129 ABBOTT AVE S EDINA, MN 55410 | COLONIAL LIFE & ACCIDENT COMPANY | $262 | $75 | $337 | 0.36% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY STE 20 PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT COMPANY | $216 | — | $216 | 0.23% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO TUSCON, AZ 85747 | COLONIAL LIFE & ACCIDENT COMPANY | $195 | — | $195 | 0.21% |
| STEVEN ROBERT KURZ3 | 14640 N 90TH DR PEORIA, AZ 85381 | COLONIAL LIFE & ACCIDENT COMPANY | $52 | $104 | $156 | 0.16% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT COMPANY | $151 | $1 | $152 | 0.16% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 15400 28TH AVENUE N SUITE 200 MINNEAPOLIS, MN 55447 | COLONIAL LIFE & ACCIDENT COMPANY | $88 | $11 | $99 | 0.10% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT COMPANY | $29 | $31 | $60 | 0.06% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 2297 119TH CIR NE MINNEAPOLIS, MN 55449 | COLONIAL LIFE & ACCIDENT COMPANY | $56 | — | $56 | 0.06% |
| EC BENEFITS INC3 | 8038 S 38TH PL PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT COMPANY | $41 | — | $41 | 0.04% |
| TRACY LEE BAILEY3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT COMPANY | $16 | $21 | $37 | 0.04% |
| DEBRA FERRAO3 | 7102 HEATHERTON TRL MINNEAPOLIS, MN 55435 | COLONIAL LIFE & ACCIDENT COMPANY | $20 | $17 | $37 | 0.04% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT COMPANY | $34 | — | $34 | 0.04% |
| ANDREW CHARLES FELLS3 | PO BOX 74 LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT COMPANY | $25 | — | $25 | 0.03% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT COMPANY | $12 | $4 | $16 | 0.02% |
| R AND T FIGUEROA LLC3 | — | COLONIAL LIFE & ACCIDENT COMPANY | $14 | — | $14 | 0.01% |
| JULIA ANN MEADE3 | 10 HALL AVE NASHUA, NH 03064 | COLONIAL LIFE & ACCIDENT COMPANY | $14 | — | $14 | 0.01% |
| SHAWN JEFFERY WARREN3 | 6950 W ROWEL RD PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT COMPANY | $11 | — | $11 | 0.01% |
| MARIA VERONICA JARQUE3 | 4744 N PAULINA ST APT 1E CHICAGO, IL 60640 | COLONIAL LIFE & ACCIDENT COMPANY | $8 | $1 | $9 | 0.01% |
| TNV INSURANCE SERVICES INC3 | PO BOX 1161 STUDIO CITY, CA 91614 | COLONIAL LIFE & ACCIDENT COMPANY | $7 | — | $7 | 0.01% |
| BEYOND BENEFITS LLC3 | 29717 131ST ST PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT COMPANY | $4 | $1 | $5 | 0.01% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | $0 | $1 | 0.00% |
| JOSEPH QUINTANA3 | 3022 N 49TH CT PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT COMPANY | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.84% |
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 | 573 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 507 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,008 | $464K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,008 | $464K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,008 | $464K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,008 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.
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.