| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 W WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA LIFE AND HEALTH INS COMPANY | $41K | $0 | $41K | 25.07% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BEENFIT GROUP INC | 5110 N 40TH STREET STE 234 PHOENIX, AZ 85018 | CIGNA LIFE AND HEALTH INS COMPANY | $16K | $0 | $16K | 9.73% |
| CREST INSURANCE GROUP LLC3 | 5285 WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 17.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 7.99% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 4.44% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | NEW BENEFITS | $679 | $0 | $679 | 11.76% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $272 | $0 | $272 | 14.97% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET STE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $91 | — | $91 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 NONE | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Float revenue; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $23K |
| CIGNA | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Other services 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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE AND HEALTH INS COMPANY | 84 | $162K |
| Dental(2 contracts, 2 carriers) | CIGNA LIFE AND HEALTH INS COMPANY | 84 | $164K |
| Vision | CIGNA LIFE AND HEALTH INS COMPANY | 84 | $162K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $132K |
| Prescription drug | CIGNA LIFE AND HEALTH INS COMPANY | 84 | $162K |
| Stop-loss / reinsurancereinsurance | CIGNA LIFE AND HEALTH INS COMPANY | 84 | $162K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.