| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: CHAD HANSEN-INSURICA SOUTHWEST INSU | 1720 WEST PARKSIDE LANE PHOENIX, AZ 85027 | NEW PATH MUTUAL INSURANCE COMPANY | — | $62K | $62K | 7.81% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INS SVCS LLC | 4646 EAST VAN BUREN STREET PHOENIX, AZ 85008 | BLUE CROSS BLUE SHIELD OF ARIZONA | $4K | — | $4K | 4.36% |
| MINARD-AMES INSURANCE SERVICES3 | 4646 EAST VAN BUREN STREET SUITE 200 PHOENIX, AZ 85008 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $622 | — | $622 | 13.57% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INSURANCE SERVIC | 4646 EAST VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 7.09% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 4.95% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $18 | $136 | 3.89% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $4 | $70 | 2.00% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.74% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $6 | $26 | 0.74% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.54% |
| PECK FINANCIAL SERVICES INC3 | 27566 NORTH 98TH LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.40% |
| MATTHEW JOSEPH COVER3 | 7313 NORTH KATIE DRIVE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.40% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.29% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.17% |
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 | 842 | 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) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEW PATH MUTUAL INSURANCE COMPANY | 627 | $892K |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 93 | $5K |
| Vision | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 93 | $5K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $3K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 65 | $92K |
| Stop-loss / reinsurancereinsurance | NEW PATH MUTUAL INSURANCE COMPANY | 627 | $800K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.