| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | PO BOX 2800 PHOENIX, AZ 85002 | BANNER HEALTH AND AETNA HEALTH | $0 | $21K | $21K | 5.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 2800 NORTH CENTRAL AVENUE SUITE 1100 PHOENIX, AZ 85004 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.45% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 7310 NORTH 16TH STREET, SUITE 226 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | PO BOX 2800 PHOENIX, AZ 85002 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.78% |
| MATTHEW JOSEPH COVER3 Filed as: MATTHEW J. COVER AND OTHER AGENTS | 7313 NORTH KATIE DRIVE PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $763 | $2K | 11.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | PO BOX 2800 PHOENIX, AZ 85002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.33% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $750 | $1K | $2K | 9.37% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 5.97% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LA ROAD SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $974 | $72 | $1K | 5.58% |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL ROAD, UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $820 | $163 | $983 | 5.25% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $749 | $40 | $789 | 4.21% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 85 | $350K |
| Dental | AETNA LIFE INSURANCE COMPANY | 104 | $28K |
| Vision | AETNA LIFE INSURANCE COMPANY | 104 | $28K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $67K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $67K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 85 | $350K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 152 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.