| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICA'S TPA, INC. DBA HEALTHEZ5 Filed as: AMERICA'S TPA, LLC DBA HEALTHEZ | 7201 W 78TH ST SUITE 100 BLOOMINGTON, MN 55439 | AMERICA'S TPA, LLC DBA HEALTHEZ | $151K | $0 | $151K | 65.85% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 8.08% |
| THE BRELLA GROUP3 | 5822 N 13TH ST PHOENIX, AZ 85014 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.17% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $289 | $63 | $352 | 0.29% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 18.83% |
| LAUREN ELIZABETH MILNER3 | 4241 N 2ND DR PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $7K | 16.34% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND CALLOWAY INSURANCE GROUP | 4070 E CLUBVIEW DR GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 15.27% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $903 | $2K | 5.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICA'S TPA LLC DBA HEALTHEZ EIN 85-1296607 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $151K |
| ARIZONA BENEFIT CONSULTANTS LLC ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 32429 PHOENIX, AZ 85064 | $10K |
| NATALIE DAWN MALHAM ADMINISTRATOR | Contract Administrator Service code 13 | 5822 N 13TH ST PHOENIX, AZ 85014 | $8K |
| LAUREN ELIZABETH MILNER ADMINISTRATOR | Contract Administrator Service code 13 | 4241 N 2ND DR PHOENIX, AZ 85013 | $7K |
| KELLY AND CALLOWAY INSURANCE GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 4070 E CLUBVIEW DR GILBERT, AZ 85298 | $7K |
| THE BRELLA GROUP ADMINISTRATOR | Contract Administrator Service code 13 | 5822 N 13TH ST PHOENIX, AZ 85014 | $6K |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, LLC DBA HEALTHEZ | 184 | $229K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $122K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $122K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $166K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $43K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.