| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN CALCATERRA3 Filed as: STEVEN C. CALCATERRA | 11035 E. RAVENNA AVE. MESA, AZ 85212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 10.94% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 4.38% |
| SEBS OF ARIZONA, LLC3 | 11035 E. RAVENNA AVE. MESA, AZ 85212 | COMPANION LIFE INSURANCE | $9K | — | $9K | 10.00% |
| THADDEUS THOMAS HUBBARD3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $2K | $595 | $3K | 3.68% |
| TOM W. HANNON3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $2K | $595 | $3K | 3.68% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP, INC. | 5251 W. 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $473 | $57 | $530 | 0.66% |
| CARMEN LEANNE ALLEN3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $236 | $85 | $321 | 0.40% |
| JOSEPH ANTHONY MORRIS3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $236 | $85 | $321 | 0.40% |
| SEBS OF ARIZONA, LLC3 | 11035 E. RAVENNA AVE. MESA, AZ 85212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 8000 NORMAN CENTER DR., SUITE 605 BLOOMINGTON, MN 554371178 | METROPOLITAN LIFE INSURANCE COMPANY | $679 | $136 | $815 | 2.10% |
| SEBS OF ARIZONA, LLC3 | 11035 E. RAVENNA AVE. MESA, AZ 85212 | TOTAL DENTAL ADMINISTRATORS HEALTH PLANS | $226 | — | $226 | 7.01% |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $460K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 198 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $39K |
| Long-term disability | NORTHWESTERN MUTUAL | 398 | $80K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 519 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.