| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDS CHEVROLET LLC3 | 16991 W WADDELL RD SURPRISE, AZ 85388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.54% |
| RENE ADRIAN RODRIGUEZ3 Filed as: RENE RODRIGUEZ | 914 N 73RD PLACE SCOTTSDALE, AZ 85257 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.14% |
| SHARON MCKELVEY3 | 197 NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| LEOBARDO J PINEDA3 Filed as: LEOBARDO JOHN PINEDA | PO BOX 67995 PHOENIX, AZ 85082 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $886 | $0 | $886 | 0.71% |
| REBECCA J MERRITT3 | 927 EAST KEIM DRIVE PHOENIX, AZ 85014 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | $0 | $128 | 0.10% |
| SANDS CHEVROLET LLC3 | 16991 W WADDELL RD SURPISE, AZ 85388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.01% |
| DANIEL G ANSTETT3 | C/O ANSTETT INSURANCE SERVICES GLENDALE, AZ 85302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $0 | $206 | — |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | — |
| SANDRA HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | — |
| JUDY J STAFFORD3 | 728 CORTEZ AVE THE VILLAGES, FL 32159 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | — |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | — |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | — |
| JOHN T OSBORNE3 | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | — |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | — |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $1.5M |
| Dental | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 233 | $117K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 233 | $242K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 119 | $125K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 119 | $125K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 233 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.