| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $21K | 14.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 14.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $18K | 14.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 24.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $2K | $47 | $2K | 7.23% |
| BST COMPANIES INC3 Filed as: BST COMPANIES INC. | 425 SOUTH FREMONT AVENUE TUCSON, AZ 85719 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $612 | $20 | $632 | 2.85% |
| LORENZA TORRES3 | 9636 EAST PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $477 | $20 | $497 | 2.24% |
| R AND T FIGUEROA LLC3 | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $339 | $1 | $340 | 1.53% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $192 | $36 | $228 | 1.03% |
| MARQUEZ BENEFIT GROUP LLC3 | 8611 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $119 | $97 | $216 | 0.97% |
| PAUL A BYNUM3 | P.O. BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $70 | — | $70 | 0.32% |
| EC BENEFITS INC3 Filed as: EC BENEFITS INC. | 8038 SOUTH 38TH PLACE PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $61 | — | $61 | 0.28% |
| VINCENT TAYLOR ECHOLS3 | P.O. BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| JOSEPH QUINTANA3 | 4005 EAST OSBORNE ROAD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| MARINA C LOVE3 | 406 HOPKINS STREET RIO RICO, AZ 85648 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| DONNA MARIE STOLL | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 712 | 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) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 729 | $174K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 727 | $144K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 729 | $143K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 729 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.