| 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 | $42K | — | $42K | 13.68% |
| 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 | — | $17K | $17K | 5.47% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $7K | — | $7K | 9.74% |
| TOM W. HANNON3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $3K | $868 | $4K | 6.85% |
| THADDEUS THOMAS HUBBARD3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $2K | $568 | $3K | 4.49% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP, INC. | 5251 W. 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $914 | $192 | $1K | 1.76% |
| JOSEPH ANTHONY MORRIS3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $225 | $81 | $306 | 0.49% |
| SEBS OF ARIZONA, LLC3 | 11035 E. RAVENNA AVE. MESA, AZ 85212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $524 | — | $524 | 1.65% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $195 | — | $195 | 7.65% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $304K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 147 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $32K |
| Long-term disability | NORTHWESTERN MUTUAL | 354 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $304K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.