| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 10.89% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 5.44% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $13K | $29K | 44.82% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.12% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.47% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $333 | $333 | 4.99% |
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 | 198 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $97K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $97K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $67K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $65K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 48 | $107K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 198 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.