| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $3K | $50K | 10.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $2K | $35K | 10.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 700 W. 47TH STREET KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $92 | $14K | 4.40% |
| BST COMPANIES INC3 Filed as: BST COMPANIES | 481 EAST DOWNTOWN STREET TUCSON, AZ 85701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $60 | $7K | 2.19% |
| JB & H LLC3 | 8707 E SAGUARO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $83 | $4K | 1.30% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $39 | $2K | 0.67% |
| EC BENEFITS INC3 | 8038 S. 38TH PLACE PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.40% |
| PAUL A BYNUM3 Filed as: PAUL A. BYNUM | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 0.38% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA LLC | 7569 S. CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2 | $1K | 0.35% |
| CAROL JEAN HALL3 | PO BOX 15158 TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $969 | $24 | $993 | 0.31% |
| JULIE ANN MEADE3 Filed as: JULIE MEADE | 63 REGENCY PLACE HAYWARD, CA 94544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $908 | — | $908 | 0.28% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $33 | $817 | 0.25% |
| REBECCA J MERRITT3 | 927 EAST KEIM DRIVE PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $4 | $372 | 0.12% |
| MARINA C LOVE3 | 3711 W. SPINNAKER LN TUCSON, AZ 85742 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 0.11% |
| WEHRLE CONSULTING INC3 Filed as: WEHRLE CONSULTING, INC. | 5820 N 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.04% |
| JOSEPH QUINTANA3 | 27 N. COUNTRY CLUB DRIVE PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.03% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.03% |
| SHERRI M HOPKINS INS AGENCY3 | 5782 SOUTH 900 EAST MURRAY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.03% |
| SHAWN JEFFERY WARREN3 | PO BOX 581 SCOTTSDALE, AZ 85252 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.03% |
| PHYLLIS JANELL QUINT3 | 715 W. NORTHVIEW AVENUE PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.01% |
| MARK MARQUEZ3 | 11225 NORTH 28TH DR PHOENIX, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $19 | $29 | 0.01% |
| JAMS D. THRESHER3 | 1316 E. NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.01% |
| MARQUEZ BENEFIT GROUP LLC3 | 11225 NORHT 28TH DR PHOENIX, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| TINA HILLMAN3 | 20987 N JOHN WAYNE PKWY MARICOPA, AZ 85139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ALAN SUCKERMAN3 | 7304 EAST PLEASANT RUN SCOTTSDALE, AZ 85258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DEBORAH KNICKERBOCKER3 | PO BOX 823 CORTARO, AZ 85652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $24K | 10.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 11.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $26 | $3K | 4.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $311 | $5K | 10.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $988K |
| CBIZ BENEFITS AND INS SERVICES INC EIN 31-1582098 BROKER | Other commissions Service code 55 | — | $162K |
| METROPOLITAN LIFE INS COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $43K |
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 | 1,628 | 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) | 1,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 654 | $68K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,366 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,628 | $467K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,597 | $329K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,628 | $220K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,628 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,628 | — |
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."
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.