| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INS SVCS LLC | 4646 EAST VAN BUREN STREET SUITE 200 PHOENIX, AZ 85008 | BLUE CROSS BLUE SHIELD OF ARIZONA | $41K | — | $41K | 4.81% |
| INSURICA, INC.3 Filed as: CHAD HANSEN- INSURICA SOUTHWEST INS | 1720 WEST PARKSIDE LANE PHOENIX, AZ 85027 | NEW PATH MUTUAL INSURANCE COMPANY | — | $22K | $22K | 5.63% |
| REDIRECT CONNECT3 | 13430 NORTH SCOTTSDALE ROAD #200 SCOTTSDALE, AZ 85254 | NEW PATH MUTUAL INSURANCE COMPANY | — | $16K | $16K | 4.00% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INSURANCE SERVIC | 4686 EAST VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 10.40% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 5.74% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 3.58% |
| STEVEN ROBERT KURZ3 | 8611 NORTH BLACK CANYON HIGHWAY PEORIA, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.51% |
| R AND T FIGUEROA LLC3 | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $271 | $3K | 2.06% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.00% |
| LUIS DANIEL RIVAS3 | 8603 WEST GOLDEN LANE PEORIA, AZ 85345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $187 | $2K | 1.67% |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL ROAD UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $460 | $2K | 1.62% |
| EDUARDO BARAJAS3 | 3532 WEST GLASS LANE PHOENIX, AZ 85041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | — | $906 | 0.64% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $733 | $47 | $780 | 0.55% |
| ANDREA XENNY COURTNEY3 | 11177 NORTH ORACLE ROAD TUCSON, AZ 85737 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $533 | $661 | 0.47% |
| JAMES BELL3 | 540 BONAIR PLACE LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $29 | $484 | 0.34% |
| PECK FINANCIAL SERVICES INC3 | 27566 NORTH 98TH LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 0.20% |
| CHRISTIAN BARAJAS3 | 3842 WEST CHOLLA STREET PHOENIX, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.17% |
| LORENZ TORRES3 | 9636 EAST PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $5 | $202 | 0.14% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $3 | $189 | 0.13% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $62 | $152 | 0.11% |
| KENT BISWANGER3 | 17010 SOUTH 32ND PLACE PHOENIX, AZ 85048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.07% |
| MELISSA ALEXANDRIA BIBBEE3 | 8092 WEST PARADISE LANE APARTMENT 3107 PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.03% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| KELLIE GREENE VALDEZ3 | 8470 WEST CHARLESTON AVENUE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.01% |
| THOMAS CHAD RICHARDS3 | 819 WEST GLENEAGLES DRIVE PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MATTHEW JOSEPH COVER3 | 7313 NORTH KATIE DRIVE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| KARA SANCHEZ3 | 1 GRAMPTON COURT LIVERPOOL, NY 13090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INSURANCE SERVIC | 4686 EAST VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 7.57% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $4 | $31 | 6.90% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.89% |
| STEVEN ROBERT KURZ3 | 8611 NORTH BLACK CANYON HIGHWAY PEORIA, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.67% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.45% |
| KELLIE GREENE VALDEZ3 | 8470 WEST CHARLESTON AVENUE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.22% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INSURANCE SERVIC | 4686 EAST VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 10.59% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 7.06% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 193 | $1.2M |
| Dental(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $142K |
| Vision(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $142K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 193 | $857K |
| Stop-loss / reinsurancereinsurance | NEW PATH MUTUAL INSURANCE COMPANY | 76 | $391K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.