| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $3K | $37K | 15.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST KANSAS CITY, MO 64112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $370 | $10K | 15.16% |
| BST COMPANIES INC3 Filed as: BST COMPANIESINC. | 725 S FREMONT AVE TUCSON, AZ 85719 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $148 | $2K | 3.00% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $213 | $1K | 2.27% |
| MARQUEZ BENEFIT GROUP LLC3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $260 | $920 | 1.42% |
| DESIREE RENEE SALMON3 Filed as: DESIREE SALMON | 800 W WILLIS RD APT 1159 CHANDLER, AZ 85286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | — | $789 | 1.22% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 2950 S JAMAICA CT STE 302 AURORA, CA 80014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $95 | $732 | 1.13% |
| LUISA DE STEFANO3 | 138 BELVIDERE ST #A EL PASO, TX 79912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $68 | $617 | 0.95% |
| PAUL SCOTT MORRIS3 | 5272 S SWEETGRASS WAY BOISE, ID 83716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $595 | — | $595 | 0.92% |
| REBECCA J MERRITT3 Filed as: REBECCA MERRITT | 927 EAST KEIM DR. PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $60 | $586 | 0.91% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO DR TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $17 | $508 | 0.78% |
| JILL HUGHES3 | 6510 TAMARA DR SALT LAKE CITY, UT 84129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $14 | $255 | 0.39% |
| KIMBERLY PETERSON3 | 1860 S GOLDSMITH AVE MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $2 | $189 | 0.29% |
| BRYN REID3 | 14701 MELCO ACE PARKER, CO 80134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $78 | $132 | 0.20% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT ECHOLS | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.18% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $21 | $86 | 0.13% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA LLC | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.11% |
| EC BENEFITS INC3 | 8038 S 38TH PL PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.11% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $4 | $62 | 0.10% |
| G ZUBIA ENTERPRISES INC3 Filed as: G ZUBIA ENTERPRISE INC | 2417 MONTANA AVE EL PASO, TX 79903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $27 | $50 | 0.08% |
| JULIE ANN MEADE3 Filed as: JULIE MEADE | 10 HALL AVE APT 1159 NASHUA, NH 03064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.07% |
| LIZA VALERIA DOMINGUEZ3 Filed as: LIZA DOMINGUEZ | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $24 | $47 | 0.07% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.04% |
| PAM ANDERSON & ASSOCIATES INC3 | 23 COUNTRY RD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD. PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| PAUL BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| DANIEL ROJAS3 | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| RITA RIBAS3 | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| JULIA MOORE3 | 9208 C ANDERSON DR. NW ALBUQUERQUE, NM 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| STEVE G MONTOYA3 Filed as: STEVE MONTOYA | 23 COUNTRY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KEVIN E MONTOYA3 Filed as: KEVIN MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CAROL JEAN HALL3 Filed as: CAROL HALL | 5737 E CHAPTER DR. TUCSON, AZ 85708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MARY BROOK FORD3 Filed as: MARY FORD | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NELLYN COX3 | 15825 EAST SUNFLOWER DR FOUNTAIN HILLS, AZ 85268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $435 | $6K | 10.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $820 | — | $820 | 10.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2375 E CAMELBACK SUITE 250 PHOENIX, AZ 85016 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $339 | — | $339 | 4.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSOR | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $62K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $236K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $6K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $65K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.