| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 10.48% |
| 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 | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.42% |
| 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 | $3K | $583 | $3K | 11.97% |
| CARLOS ESPONOSA AND OTHER AGENTS3 | 10940 NORTH MARTINEAU ROAD ELFRIA, AZ 85610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $725 | $2K | 7.97% |
| NAOMI BERG3 | 5338 EAST GELDING DRIVE SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $338 | $2K | 7.64% |
| JB & H LLC3 Filed as: JB & H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $835 | $73 | $908 | 3.27% |
| MIRANDELLY HERNANDEZ3 | 16055 WEST SHANGRI LANE ROAD SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $796 | $100 | $896 | 3.23% |
| MARIA LOZANO3 | 860 NORTH MCQUEEN ROAD, UNIT 1127 CHANDLIER, AZ 85225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $540 | $12 | $552 | 1.99% |
| SENECA ALEJANDRO LUJAN3 | 1107 EAST ORCHID LANE PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $43 | $459 | 1.65% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 102 | $0 |
| Dental | AETNA LIFE INSURANCE COMPANY | 102 | $0 |
| Vision | AETNA LIFE INSURANCE COMPANY | 102 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $62K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $62K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $62K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 102 | $0 |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.