| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GRP LLC | 5285 E. WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 3.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 2.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $296 | $3K | 10.93% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $637 | $637 | 2.00% |
| CREST INSURANCE GROUP LLC3 | 5285 E. WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNION SECURITY DENTAL CARE OF GEORGIA, INC | $768 | $30 | $798 | 3.12% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITED DENTAL CARE OF ARIZONA, INC | — | $25 | $25 | 0.12% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STREET SUITE 450 TUCSON, AL 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $267 | $2K | 11.31% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $409 | $409 | 2.00% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 W LAS PALMARITAS PHOENIX, AZ 85021 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 16.11% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 48.48% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 26.86% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STREET SUITE 450 TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $219 | $24 | $243 | 11.07% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $44 | $44 | 2.00% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.0M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY DENTAL CARE OF GEORGIA, INC | 86 | $47K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 181 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $32K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $38K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 207 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.