| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIR STE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 4.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.75% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | DELTA DENTAL OF ARIZONA | $1K | $0 | $1K | 5.07% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | DELTA DENTAL OF ARIZONA | $513 | $0 | $513 | 10.28% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $704 | $0 | $704 | 14.99% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET PHOENIX, AZ 85018 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $235 | $235 | 5.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $296K |
| Dental | DELTA DENTAL OF ARIZONA | 65 | $25K |
| Vision | DELTA DENTAL OF ARIZONA | 61 | $5K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 157 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.