Pro Em Operations, LLC
Updated Filing received by DOL
Pro Em Operations, LLC, an administrative & support services employer in Phoenix, Arizona, reported 357 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $80,370 in insurance premiums across 5 contracts and $92,102 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 13, 2025, within the extension window.
Who was paid on Pro Em Operations, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Pro Em Operations, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Steven C. Calcaterra · Mesa, AZ | $50,299 | $0 | $50,299 | 1 |
| Rogers Benefit Group, Inc. · Bloomington, MN | $679 | $20,252 | $20,931 | 2 |
| Sebs of Arizona, LLC · Mesa, AZ | $13,784 | $0 | $13,784 | 3 |
| Thaddeus Thomas Hubbard · Gilbert, AZ | $2,363 | $595 | $2,958 | 1 |
| Tom W. Hannon · Phoenix, AZ | $2,363 | $595 | $2,958 | 1 |
| RPS Financial Group, Inc. · Leawood, KS | $473 | $57 | $530 | 1 |
| Carmen Leanne Allen · Phoenix, AZ | $236 | $85 | $321 | 1 |
| Joseph Anthony Morris · Gilbert, AZ | $236 | $85 | $321 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Northwestern Mutuallong-term disability | 398 | $80,370 | $7,088 | 8.8% |
| Companion Life Insurancedental, PPO | 198 | — | $9,156 | — |
| Metropolitan Life Insurance Companyvision, life | 519 | — | $5,217 | — |
| Cigna Health and Life Insurance Companyhealth | 182 | — | $70,415 | — |
| Total Dental Administrators Health Plansdental | 23 | — | $226 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Pro Em Operations, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 381 | 357 | −6.3% |
| Premiums filed | $81,819 | $80,370 | not comparable |
| Broker commissions + fees | $96,106 | $92,102 | −4.2% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Pro Em Health & Welfare Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 13, 2025 | within extension | 357 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Pro Em Operations, LLC pay in health insurance broker commissions in 2024?
Pro Em Operations, LLC's 2024 Form 5500 reports $92,102 in broker commissions and fees across 5 insurance contracts ($70,433 in commissions, $21,669 in fees), with Steven C. Calcaterra receiving the largest share.
Is Pro Em Operations, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company.
How does Pro Em Operations, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Pro Em Operations, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.