| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | $0 | $86K | 5.96% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 333 N. GLENOAKS BLVD. STE. 410 BURBANK, CA 91502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.79% |
| THE SABOL AGENCY INC Filed as: THE SABOL AGENCY, INC. | 10105 EAST VIA LINDA SUITE 103 SCOTTSDALE, AZ 85258 | RELIANCE MATRIX | $31K | $0 | $31K | 9.98% |
| MGIS | 95 S STATE STREET SUITE 650 SALT LAKE CITY, UT 841111630 | RELIANCE MATRIX | $0 | $180 | $180 | 0.06% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $12K | $0 | $12K | 10.06% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $1K | $0 | $1K | 9.29% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $811 | $0 | $811 | 15.02% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $270 | $270 | 5.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.4M |
| Dental | DELTA DENTAL OF ARIZONA | 268 | $123K |
| Vision | EYEMED VISION CARE | 223 | $16K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE MATRIX | 207 | $319K |
| Short-term disability | RELIANCE MATRIX | 207 | $314K |
| Long-term disability | RELIANCE MATRIX | 207 | $314K |
| Other(2 contracts, 2 carriers) | RELIANCE MATRIX | 207 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.