| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN CALCATERRA3 | 5111 N. SCOTTSDALE RD. SUITE 210 SCOTTSDALE, AZ 85250 | BLUE CROSS BLUE SHIELD OF ARIZONA | $24K | — | $24K | 2.48% |
| ERIC BLACK3 | 8722 E. VIA DE COMMERCIO SUITE 1000 SCOTTSDALE, AZ 85259 | BLUE CROSS BLUE SHIELD OF ARIZONA | $24K | — | $24K | 2.48% |
| ERIC BLACK3 | 8722 E. VIA DE COMMERCIO SCOTTSDALE, AZ 852583434 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.82% |
| SEBS OF ARIZONA, LLC3 Filed as: SEBS OF ARIZONA LLC | 5111 N. SCOTTSDALE ROAD SUITE 210 SCOTTSDALE, AZ 85250 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.82% |
| STEVEN CALCATERRA3 Filed as: STEVEN C. CALCATERRA | 5111 N. SCOTTSDALE ROAD SUITE 210 SCOTTSDALE, AZ 852507077 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.70% |
| ERIC BLACK3 | 8722 E. VIA DE COMMERCIO SCOTTSDALE, AZ 85258 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 146 | $978K |
| Dental | HUMANA INSURANCE COMPANY | 136 | $78K |
| Vision | HUMANA INSURANCE COMPANY | 136 | $78K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $82K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 146 | $978K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.