| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MINARD-AMES INSURANCE SERVICES3 | 4646 EAST VAN BUREN STREET SUITE 200 PHOENIX, AZ 85008 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $4K | — | $4K | 8.40% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | -$21 | — | -$21 | -0.04% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $330 | $2K | 12.46% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $1K | $2K | 12.08% |
| MINARD-AMES INSURANCE SERVICES3 Filed as: MINARD-AMES INSURANCE SERVICES LLC | 4646 EAST VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.14% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $113 | $1K | 9.31% |
| MIRANDELLY HERNANDEZ3 | 6054 NORTH 30TH AVENUE PHOENIX, AZ 85017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $604 | $39 | $643 | 5.07% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $93 | $639 | 5.04% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $97 | $251 | 1.98% |
| PECK FINANCIAL SERVICES INC3 | 27566 NORTH 98TH LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $9 | $163 | 1.28% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $49 | $95 | 0.75% |
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 |
|---|---|---|---|
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 83 | $48K |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 83 | $48K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $13K |
| Stop-loss / reinsurancereinsurance | REDIRECT HEALTH | 488 | $390K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.