| 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 | $53K | — | $53K | 12.77% |
| 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 | — | $21K | $21K | 5.11% |
| SEBS OF ARIZONA, LLC3 | STEVEN C. CALCATERRA 11035 E. RAVENNA AVE. MESA, AZ 85212 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $9K | — | $9K | 10.00% |
| THADDEUS THOMAS HUBBARD3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $3K | $637 | $3K | 3.87% |
| TOM W. HANNON3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $3K | $637 | $3K | 3.87% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP, INC. | 5251 W. 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $759 | $152 | $911 | 1.11% |
| JOSEPH ANTHONY MORRIS3 | 111 E. RIVULON BLVD. GILBERT, AZ 85297 | NORTHWESTERN MUTUAL | $253 | $91 | $344 | 0.42% |
| SEBS OF ARIZONA, LLC3 | 11035 E. RAVENNA AVE. MESA, AZ 85212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.78% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $655 | $202 | $857 | 2.31% |
| SEBS OF ARIZONA, LLC3 | STEVEN C. CALCATERRA 11035 E.RAVENNA AVE. MESA, AZ 85212 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $214 | $0 | $214 | 6.99% |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $415K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 226 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 400 | $82K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.