| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONNA MARIE STOLL3 | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $7 | $5K | 5.31% |
| TRANS CITY INSURANCE AGENCY3 | 7500 EAST MCDONALD DRIVE SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.49% |
| MARINA C LOVE3 | 5470 WEST WHIPPAIL CT MARANA, AZ 85658 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $328 | $3K | 3.54% |
| MARK MARQUEZ3 | 11225 NORTH 28TH DR SCOTTSDALE, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $507 | $965 | 1.04% |
| PAUL BYNUM3 | PO BOX 12306 TUSCON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $802 | $9 | $811 | 0.88% |
| SUSAN HENDRICKS3 | 6718 N PALM CANYON DR PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | $37 | $696 | 0.75% |
| REBECCA J MERRITT3 | 927 EAST KEIM DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $3 | $506 | 0.55% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $58 | $457 | 0.49% |
| JEFFREY THOMAS3 | P.O. BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.28% |
| MARCOS DIEZ3 | PO BOX 1649 LITCHFIELD PARK, AZ 85339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $4 | $165 | 0.18% |
| WILLIAM CHARLES GREENWALD3 | 1321 FIELDBROOK ST CHULA VISTA, CA 91913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $13 | $140 | 0.15% |
| TAMARA DAWN BLECHER3 | 3880 STOCKTON HILL KINGMAN, AZ 86409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.09% |
| SHAWN JEFFERY WARREN3 | 6908 EAST MORELAND SCOTTSDALE, AZ 85257 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $30 | $65 | 0.07% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.06% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| EC BENEFITS INC3 | 8038 S 38TH PL TUCSON, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.05% |
| LEOBARDO J PINEDA3 | 1451 W HAWKEN WAY CHANDLER, AZ 85286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $10 | $29 | 0.03% |
| XOCHITL ZORAYDA ARREOLA3 | 6310 W NEZ PERCE PHOENIX, AZ 85043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| LAURA M COX3 | 1501 E SEQUOIA DR PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| MANUEL TORRES3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| VIP INSURANCE INC3 Filed as: VIP INSURANCE | 400 SOUTH RAMPART BLVD STE 250 LAS VEGAS, NV 89145 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| AHG ENTERPRISES LLC3 | 5702 E CHARTER OAK RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SUNDANCE INSURANCE AGENCY3 Filed as: SUNDANCE INSURANCE AGENCY INC | 2680 E 24TH ST YUMA, AZ 85365 | AMERITAS LIFE INSURANCE CORP | $865 | — | $865 | 10.00% |
| WERLEY DONALD3 | SUNDANCE INS AGENCY INC P.O. BOX 4759 YUMA, AZ 85366 | HARTFORD LIFE AND ACCIDENT | $800 | — | $800 | 14.96% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 138 | $9K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $98K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $93K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $93K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.