| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 13.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY INSURANCE BROKERS | P.O. BOX 6030 PASADENA, CA 91102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $2K | $22K | 14.22% |
| MULLIGAN BENEFITS LLC3 | 2330 SNEAD DR. OCEANSIDE, CA 92056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.39% |
| NOAH OROPEZA3 | 5305 N. GINNING DR. LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $695 | $3K | 1.71% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 31000 N. SUNRISE RANCH RD. CAVE CREEK, AZ 85331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.63% |
| DENA KOLLOWAY OROPEZA3 | 5305 N. GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 1.20% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DR. CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $399 | $1K | 0.97% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | P.O. BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| GENWIL BENEFITS GROUP LLC3 | 2163 W. VILLAGE DR. PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $736 | $24 | $760 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 91102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.32% |
| MIRANDELLY HERNANDEZ3 | 16055 W. SHANGRI LA RD. SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $10 | $353 | 0.23% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 N. THOMPSON PEAK PKWY SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 0.22% |
| ELIZABETH CAROL VESELY3 | 9214 W. MARYANN DR. PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.16% |
| GABRIEL ROLAND LEWIS3 | 1910 S. STAPLEY DR. SUITE 119 MESA, AZ 85204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.07% |
| LUIS ERNESTO PEREZ3 Filed as: LUIS PEREZ BENEFIT INSURANCE | SOLUTIONS 861 KENWOOD ST. UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $16 | $95 | 0.06% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| MARIA VERONICA JARQUE3 | 542 HOSMER ST. EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MARK ANTHONY MONTOYA3 | 8494 W. AUDREY LN PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| STEVEN D SCOTT3 Filed as: STEVEN D. SCOTT | 6406 N. 83RD DR. GLENDALE, AZ 85305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| 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 | $3 | — | $3 | 0.00% |
| RICHARD WILLIAM FRIEDMAN3 | 23927 RUSTICO CT. SANTA CLARITA, CA 91354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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% |
| KEITH HOWARD LEFEVRE3 | 8885 LADY MADONNA CIRCLE HIGHLANDS RANCH, CO 80129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SCOTT GERALD BEILFUSS3 | 422 1/2 PROSPECTORS POINT GRAND JUNCTION, CO 81507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RENE ADRIAN RODRIGUEZ3 Filed as: RENE ADRIAN RODGRIGUEZ | 1814 E. BELL RD. UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KASIE L RODRIGUEZ3 Filed as: KASIE LOUISE RODGRIGUEZ | 3752 W. 12TH STREET YUMA, AZ 85364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST. FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | EYEMED VISION CARE | $3K | — | $3K | 11.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 857.45% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 1420 N. 87TH ST. SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 196.73% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 420 | $2K |
| Vision | EYEMED VISION CARE | 372 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $159K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $159K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $159K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 540 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
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.