| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| THOMAS CHAD RICHARDS3 | 819 WEST GLENEAGLES DRIVE PHOENIX, AZ 85023 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.69% |
| THOMAS CHAD RICHARDS3 | 819 WEST GLENEAGLES DRIVE PHOENIX, AZ 85023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 19.19% |
| MELINDA VORAS AND OTHER AGENTS3 | 3119 WEST SEQUOIA WAY PHOENIX, AZ 85053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 11.36% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 12057 WEST ROWEL ROAD PEORIA, AZ 85383 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 11.12% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 8.64% |
| JOHN JAMES COTSONAS3 | 2830 NORTH RAMIE PLACE TUCSON, AZ 85745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 8.05% |
| KELLIE GREENE VALDEZ3 | 8611 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.21% |
| LUIS DANIEL RIVAS3 | 8603 WEST GOLDEN LANE PEORIA, AZ 85345 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $557 | $2K | 3.91% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $147K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $147K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $147K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $56K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.