| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $32K | $0 | $32K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $274 | $6K | 8.36% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.79% |
| RENE ADRIAN RODRIGUEZ3 Filed as: RENE RODRIGUEZ | 1814 EAST BELL ROAD, APARTMENT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $132 | $3K | 3.75% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.02% |
| MJ INSURANCE3 Filed as: MARIA LOZANO AND VARIOUS AGENTS | 4124 EAST VEST AVENUE GILBERT, AZ 85295 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $144 | $2K | 2.78% |
| KENT BISWANGER3 | 17010 SOUTH 32ND PLACE PHOENIX, AZ 85048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.67% |
| JAMES D THRESHER3 Filed as: JAMES THRESHER | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4703 EAST CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.10% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 154 | $688K |
| Dental | AETNA LIFE INSURANCE COMPANY | 170 | $50K |
| Vision | AETNA LIFE INSURANCE COMPANY | 170 | $50K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $59K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $59K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 154 | $688K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 117 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.