| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $66K | $0 | $66K | 4.42% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INS SVCS LLC | 4646 E VAN BUREN ST STE 200 PHOENIX, AZ 85008 | BLUE CROSS BLUE SHIELD OF ARIZONA | $11K | $0 | $11K | 0.76% |
| JANET WEHRLE3 | 5820 N 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.23% |
| INSURICA, INC.3 Filed as: LNSURICA SOUTHWEST INSURANCE | 4686 E VAN BUREN STREET PHOENIX, AZ 85008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $770 | $143 | $913 | 1.65% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $779 | $36 | $815 | 1.47% |
| KENT BISWANGER3 | 17010 S 32ND PL PHOENIX, AZ 85048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $14 | $458 | 0.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | DBA F.B.C SERVICES INC SCOTTSDALE, AZ 85255 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $424 | $0 | $424 | 0.77% |
| CB BENEFITS LLC3 | 5641 W MEGAN ST CHANDLER, AZ 85226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $402 | $0 | $402 | 0.73% |
| FBC SERVICES INC3 | 31000 N SUNRISE RANCH RD CAVE CREEK, AZ 85331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | $0 | $379 | 0.69% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $107 | $339 | 0.61% |
| MARIA LOZANO3 | 36332 W. VERA CRUZ DR. MARICOPA, AZ 85138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $6 | $303 | 0.55% |
| MIRANDELLY HERNANDEZ3 | 16055 W SHANGRI LA RD SURPRISE, AZ 85379 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $258 | $23 | $281 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | LOVITT TOUCHE TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $7 | $84 | 0.15% |
| SUSAN HENDRICKS3 | 6718 N PALM CANYON DR PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.13% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.10% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.08% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGHN BROWN | 7329 N 11TH ST PHOENIX, AZ 85020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| OMAR LEON3 | 3124 N 21ST STREET PHOENIX, AZ 85016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| VINCENT TAYLOR ECHOLS3 | PO BOX594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| NAOMI BERG3 | 5338 E GELDING DR SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.98% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INS SVCS LLC | 4646 E VAN BUREN ST #200 PHOENIX, AZ 85008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | $0 | $258 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD TUCSON, AZ 85710 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.10% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INSURANCE | 4646 E VAN BUREN ST #200 PHOENIX, AZ 85008 | AETNA LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | HEALTHIEST YOU | $2K | $0 | $2K | 13.77% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST | 4646 E VAN BUREN STREET #200 PHOENIX, AZ 85008 | HEALTHIEST YOU | $157 | $0 | $157 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | $0 | $343 | 13.25% |
| INSURICA, INC.3 Filed as: INSURICA SOUTHWEST INS SVCS | 4646 E VAN BUREN ST #200 PHOENIX, AZ 85008 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28 | $0 | $28 | 1.08% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 311 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 311 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 267 | $18K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 204 | $58K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 58 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $25K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 204 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.