| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE BENEFITS | 2425 S. STEARMAN DRIVE SUITE 110 CHANDLER, AZ 85286 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $56K | $0 | $56K | 8.00% |
| CAMBRIDGE BENEFITS | 2425 S. STEARMAN DRIVE SUITE 110 CHANDLER, AZ 85286 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | $0 | $4K | 6.00% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 18.66% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $8K | 12.90% |
| DENA KOLLOWAY OROPEZA3 | 5305 N GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 11.58% |
| HANS GORAN OLSSON3 | 16646 S 27TH DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 11.53% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 N. THOMPSON PEAK PKWY SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $474 | $3K | 4.26% |
| MIRANDELLY HERNANDEZ3 | 16055 W SHANGRI LA RD SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | $65 | $755 | 1.28% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | $28 | $647 | 1.10% |
| EDUARDO BARAJAS3 | 1703 W NATAL AVE MESA, AZ 85202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 0.71% |
| STEPHEN RICHARDSON AREY3 | 4822 W OAKLAND ST CHANDLER, AZ 85226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $47 | $413 | 0.70% |
| JAMES THOMAS JOBLON3 | 910 W CHEYENNE DR CHANDLER, AZ 85225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $1 | $410 | 0.70% |
| ELIZABETH CAROL VESELY3 | 9214 W MARYANN DR PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $0 | $326 | 0.55% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $36 | $176 | 0.30% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $25 | $58 | 0.10% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM RALPH DECKER | 2163 W VILLAGE DR PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $4 | $25 | 0.04% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 0.03% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 0.03% |
| KENT BISWANGER3 | 1851 W HIDDENVIEW DR PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.03% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.02% |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHIEF DRIVE TEHECHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| CAMBRIDGE BENEFITS | 2425 S. STEARMAN DRIVE SUITE 110 CHANDLER, AZ 85286 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $687 | $0 | $687 | 6.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 243 | $695K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 240 | $67K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 192 | $11K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $59K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $59K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 195 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.