| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $72K | $25K | $97K | 9.96% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $0 | $51K | 10.00% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 1.32% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 10.00% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.33% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 10.00% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.30% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 12.23% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 3.38% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $926 | $4K | 13.32% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $475 | $475 | 1.70% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $917 | $4K | 13.46% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $488 | $488 | 1.84% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $318 | $318 | 1.22% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | $159 | $624 | 13.42% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE 360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $86 | $86 | 1.85% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | ARAG INSURANCE COMPANY | $90 | $0 | $90 | 10.00% |
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 | 1,396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,527 | $971K |
| Dental | DELTA DENTAL OF ARIZONA | 0 | $60K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $191K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $574K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $201K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,527 | $971K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,527 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.