| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS CHAD RICHARDS3 | 819 WEST GLENEAGLES DRIVE PHOENIX, AZ 85023 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.88% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $7K | $11K | 10.82% |
| THOMAS CHAD RICHARDS3 | 819 WEST GLENEAGLES DRIVE PHOENIX, AZ 85023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 10.80% |
| KELLIE GREENE VALDEZ3 | 8470 WEST CHARLESTON AVENUE PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 8.62% |
| ANNALISA MARIE KURZ3 | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 5.10% |
| MJ INSURANCE3 Filed as: JAMES BELL AND VARIOUS AGENTS | 3917 EAST YALE STREET PHOENIX, AZ 85008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $416 | $3K | 3.25% |
| MELISSA ALEXANDRIA BIBBEE3 | 8092 WEST PARADISE LANE, SUITE 3107 PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $936 | $0 | $936 | 0.91% |
| LUIS DANIEL RIVAS3 | 8603 WEST GOLDEN LANE PEORIA, AZ 85345 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $134 | $908 | 0.88% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 514 | $187K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 514 | $187K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 514 | $187K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 123 | $103K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 514 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.