Welfare broker

STEVEN CALCATERRA

Mailing address (most recent filing)

11035 E. RAVENNA AVENUE

MESA, AZ 85212

Total comp: $95K
Commissions: $95K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where STEVEN CALCATERRA places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$1.3M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
AZ	2	$1.3M	0.1%	85.91x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of STEVEN CALCATERRA's plans by broker comp / premium ratio. Median 16.90% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of STEVEN CALCATERRA's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where STEVEN CALCATERRA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MESA IMPORTS, INC. RYAN AUTOMOTIVE FAMILY HEALTH & WELFARE BENEFIT PLAN	AZ	$657K	$132K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
PRO EM OPERATIONS, LLC PRO EM HEALTH & WELFARE BENEFIT PLAN	AZ	$674K	$92K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.3M

100.0%

State

Plans

Premium

State share

Index

$1.3M

0.1%

85.91x

Sponsor

Loc

Premium

Comp

Carrier

MESA IMPORTS, INC.

RYAN AUTOMOTIVE FAMILY HEALTH & WELFARE BENEFIT PLAN

$657K

$132K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

PRO EM OPERATIONS, LLC

PRO EM HEALTH & WELFARE BENEFIT PLAN

$674K

$92K

CIGNA HEALTH AND LIFE INSURANCE COMPANY