| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF AZ | $42K | $0 | $42K | 5.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH STREET STE 226 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF AZ | $17K | $0 | $17K | 2.05% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 W WILLIMAS CIRCLE STE 4500 TUCSON, AZ 85711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 12.79% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 165 | $824K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.