| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE CALCATERRA3 | DBA BENESOURCE, LLC 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.81% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $3K | — | $3K | 10.57% |
| STEVEN CALCATERRA3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $2K | $559 | $3K | 13.20% |
| TERESE BRUNETTE3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $808 | $187 | $995 | 4.41% |
| MILLER FINANCIAL GROUP LLC3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $675 | $59 | $734 | 3.25% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.12% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | VISION SERVICE PLAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $129 | — | $129 | 6.98% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $473K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 77 | $29K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 776 | $7K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 158 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $473K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.