| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN CALCATERRA3 Filed as: STEVEN C. CALCATERRA | 11035 E. RAVENNA AVENUE MESA, AZ 85212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 8.86% |
| 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 | — | $27K | $27K | 5.41% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN, INC. | 5251 W. 116TH PLACE SUITE 300 LEAWOOD, KS 66211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.63% |
| ERIC BLACK3 | 8687 E. VIA DE VENTURA SUITE 200 SCOTTSDALE, AZ 85258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.56% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN, INC. | 5251 W. 116TH PLACE SUITE 300 LEAWOOD, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.40% |
| ERIC BLACK3 | 11379 E. SUNNYSIDE DR. SCOTTSDALE, AZ 85259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.28% |
| STEVEN CALCATERRA3 | 11035 E. RAVENNA AVENUE MESA, AZ 85212 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $801 | — | $801 | 4.58% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $700 | $700 | 4.00% |
| ERIC BLACK3 | 8687 E. VIA DE VENTURA SUITE 200 SCOTTSDALE, AZ 85258 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $530 | — | $530 | 3.03% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN, INC. | 5251 W. 116TH PLACE SUITE 300 LEAWOOD, KS 66211 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $419 | — | $419 | 2.39% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $498K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $516K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $498K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $141K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $141K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $141K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.