| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 23.60% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST STE 226 PHOENIX, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $27K | $27K | 9.73% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | STANDARD INSURANCE COMPANY | $14K | $2K | $16K | 21.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Contract Administrator; Float revenue; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Direct payment from the plan Service code 12 | — | $0 |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $283K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $283K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $283K |
| Life insurance | STANDARD INSURANCE COMPANY | 144 | $76K |
| Short-term disability | STANDARD INSURANCE COMPANY | 144 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 144 | $76K |
| Other | STANDARD INSURANCE COMPANY | 144 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.