| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 | 14640 NORTH 90TH DRIVE PEORIA, AZ 85381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $22K | $49K | 23.01% |
| V VENTURES LLC3 Filed as: V VENTURES, LLC | 8470 WEST CHARLESTON AVENUE PEORIA, AZ 85382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 3.14% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA X GROUP, LLC | 537 EAST WILLETTA STREET, UNIT 2 PHOENIX, AZ 85004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 2.78% |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $786 | $5K | 2.26% |
| MJ INSURANCE3 Filed as: EVAN KRILEY AND VARIOUS AGENTS | 5901 WEST BEHREND DRIVE APARTMENT 2140 GELNDALE, AZ 85308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $969 | $4K | 2.02% |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL ROAD, UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $367 | $4K | 1.98% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP, LLC | 8601 NORTH BLACK CANYON HIGHWAY SUITE 20 PHOENIX, AZ 85201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.90% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 215 | $215K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 215 | $215K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 215 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.