| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $129K | $0 | $129K | 10.28% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $7K | $46K | 3.65% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $0 | $55K | 12.72% |
| ACRISURE LLC3 | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.07% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | AVESIS INSURANCE INCORPORATED | $7K | $0 | $7K | 10.00% |
| ACRISURE LLC5 Filed as: ACRISURE, LLC DBA BEAL INSURANCE | 6730 NORTH SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | AVESIS INSURANCE INCORPORATED | $1K | $0 | $1K | 1.65% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | NEW YORK LIFE INSURANCE COMPANY | $14K | $0 | $14K | 27.15% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | NEW YORK LIFE INSURANCE COMPANY | $9K | $0 | $9K | 27.23% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | NEW YORK LIFE INSURANCE COMPANY | $5K | $0 | $5K | 25.74% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | NEW YORK LIFE INSURANCE COMPANY | $1K | $0 | $1K | 27.15% |
| ACRISURE LLC | 6730 N SCOTTSDALE RD #285 SCOTTSDALE, AZ 85253 | NEW YORK LIFE INSURANCE COMPANY | $69 | $0 | $69 | 12.08% |
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 | 2,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,270 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,208 | $429K |
| Vision | AVESIS INSURANCE INCORPORATED | 1,603 | $65K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 2,177 | $34K |
| Short-term disability(2 contracts) | NEW YORK LIFE INSURANCE COMPANY | 260 | $21K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 1,017 | $53K |
| Other | NEW YORK LIFE INSURANCE COMPANY | 2,168 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,177 | — |
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."
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.