| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 31000 N. SUNRISE RANCH RD. CAVE CREEK, AZ 85331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | — | $28K | 8.70% |
| MULLIGAN BENEFITS LLC3 | 2330 SNEAD DR. OCEANSIDE, CA 92056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 7.57% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 E. NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 2.59% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $8K | 2.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.65% |
| ELIZABETH CAROL VESELY3 | 9214 W. MARYANN DR. PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| MIRANDELLY HERNANDEZ3 | 16055 W. SHANGRI LA RD. SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $155 | $2K | 0.77% |
| DENA KOLLOWAY OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $561 | $2K | 0.65% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM RALPH DECKER | 2163 W. VILLAGE DR. PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $116 | $2K | 0.48% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 N. THOMPSON PEAK PKWY. SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $118 | $1K | 0.36% |
| GABRIEL ROLAND LEWIS3 | 1910 S. STAPLEY DR. SUITE 119 MESA, AZ 85204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $967 | $159 | $1K | 0.35% |
| GENWIL BENEFITS GROUP LLC3 | 2163 W. VILLAGE DR. PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $105 | $1K | 0.31% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $769 | $46 | $815 | 0.25% |
| STEVEN D SCOTT3 Filed as: STEVEN D. SCOTT | 6406 N. 83RD DR. GLENDALE, AZ 85305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $1 | $377 | 0.12% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST. SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $46 | $236 | 0.07% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD ST. UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.03% |
| KIETH HOWARD LEFEVRE3 | 8885 LADY MADONNA CIRCLE HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $11 | $90 | 0.03% |
| MARK ANTHONY MONTOYA3 | 8494 W. AUDREY LN. PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.02% |
| DANY LUZ PUTNAM3 | 5543 S. VALDAI WAY AURORA, CO 80015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.02% |
| RENE ADRIAN RODRIGUEZ3 | 1814 E. BELL RD. UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $10 | $64 | 0.02% |
| MARIA LOURDES MENDOZA3 | 26443 SAND PALM CT. MORENO VALLEY, CA 92555 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.02% |
| DANIEL JONES3 | 2695 PATTERSON RD. SUITE 2-217 GRAND JUNCTION, CO 81506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $15 | $61 | 0.02% |
| DEBORAH RUSH KIMMONS3 | 37291 BOSLEY ST. INDIO, CA 92203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.02% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 Filed as: OMEGA FINANCIAL AND INSURANCE | SOLUTIONS 4663 CREEPING FIG CT. LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $17 | $46 | 0.01% |
| LUIS EDUARDO PEREZ3 | 19255 N. 79TH DR. GLENDALE, AZ 85308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.01% |
| DAVID R LATTIMER3 Filed as: DAVID LATTIMER | 3029 N. SONORAN HILLS MESA, AZ 85207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| SCOTT GERALD BEILFUSS3 | 422 1/2 PROSPECTORS POINT GRAND JUNCTION, CO 81507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| CHANDA MANSKE3 | 12145 W. JESSIE CT. SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $12 | $18 | 0.01% |
| MARIA D. TORRES3 | 476 CHATFIELD CIRCLE GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| PATRICK GILL GIDDENS3 | 1450 CLERMONT ST. DENVER, CO 80220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| GUADALUPE RAMIREZ3 | 459 JOALAN COURT GRAND JUNCTION, CO 81504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KERWIN VAUGHN BROWN | 1939 E. MISSOURI AVE. APT. 5 PHOENIX, AZ 85016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.00% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N. BLACK CANYON HWY. PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.00% |
| KEVIN P MCCARNEY3 Filed as: KEVIN P. MCCARNEY | 525 ARROW COURT CLIFTON, CO 81520 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MICHAEL DONALD TOLLEFSON3 | 2306 GLENARM PLACE APT. 104 DENVER, CO 80205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL SERVICES INC. | 27566 N. 98TH LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DEIRDRE B HOEHN3 Filed as: DEIRDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DR. CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 14201 N. 87TH ST. SUITE D141 SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 10.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.87% |
| FBC SERVICES INC3 Filed as: FBC SERVICES, INC. | 14201 NORTH 87TH STREET SCOTTSDALE, AZ 85260 | EYEMED VISION CARE | $3K | — | $3K | 9.29% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 1420 N. 87TH ST. SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $7K | $21K | 752.90% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 489 | $3K |
| Vision | EYEMED VISION CARE | 474 | $34K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $222K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $222K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $222K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 532 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.