| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $15K | $19K | 7.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, KS 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $9K | $16K | 10.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.18% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3101 N CENTRAL AVE PHOENIX, AZ 85004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $877 | — | $877 | 1.22% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $731 | $51 | $782 | 1.09% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $754 | $5 | $759 | 1.06% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $476 | — | $476 | 0.66% |
| BST COMPANIES INC3 | 319 N CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $1 | $208 | 0.29% |
| R AND T FIGUEROA LLC3 Filed as: R AND T FIGUEROA, LLC | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.27% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON COURT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 0.26% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $7 | $102 | 0.14% |
| STEVEN ROBERT KURZ3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.13% |
| JUDY INEZ BUCHOLTZ3 | 12517-217TH AVE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.11% |
| KELLIE GREENE VALDEZ3 | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $12 | $70 | 0.10% |
| JOEL N NEWMAN AGENCY LLC3 | 924-B NW 52ND ST SEATTLE, WA 98107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| ANDREA LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| BRIAN T MURPHY LLC3 Filed as: BRIAN T MURPHY | 5002 47TH AVE SW SEATTLE, WA 98136 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| SHAWN JEFFERY WARREN3 | 6950 WEST ROWEL ST PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| CAROL JEAN HALL3 | 5737 E CHAPTER DR TUCSON, AZ 85708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| RAY BLAZAK3 | 22419 E PLYMOUTH CIR AURORA, CA 80016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 33635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| DANIELS SOLUTIONS LLC3 | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LUIS DANIEL RIVAS3 | 8603 GOLDEN LN PEORIA, AZ 85345 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 3.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC. | PO BOX 632886 CINCINNATI, OH 452632886 | FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY LLC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 8.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, KS 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 13.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH STE 100 KANSAS CITY, KS 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $910 | — | $910 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $1.8M |
| UMR,INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $432K |
| LOVITT & TOUCHE, INC BROKER | Other commissions Service code 55 | PO BOX 741259 LOS ANGELES, CA 90074 | $28K |
| CBIZ BENEFITS & INSURANCE SVCS INC EIN 31-1582098 BROKER | Other commissions Service code 55 | PO BOX 632886 CINCINNATI, OH 45263 | $19K |
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 | 868 | 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) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. | 1,302 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $204K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $271K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 868 | $44K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 849 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.