| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | $0 | $85K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $0 | $41K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $1K | $7K | 3.47% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 1.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | AN ALERA GROUP 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $379 | $9K | 8.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 6.58% |
| ALL PRO BENEFITS LLC3 | 675 MADISON AVE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.85% |
| OLSON MICHAEL3 | 8151 E INDIANA BEND RD SUITE 107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | $0 | $373 | 0.66% |
| STRATEGIC BNFT PARTNERS LLC3 | 200 36TH AVE NW #720382 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | $0 | $286 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | AN ALERA GROUP 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $190 | $3K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | AN ALERA GROUP 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $34 | $1K | 9.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $701 | $0 | $701 | 6.01% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 12.96% |
| ROBERT GARCIA4 | 809 W CALLE MILU TUCSON, AZ 857063924 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $249 | $0 | $249 | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $162 | $0 | $162 | 2.76% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGLES, CA 90039 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $0 | $93 | $93 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $89 | $0 | $89 | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $58 | $0 | $58 | 2.78% |
| GCG FINANCIAL LLC3 Filed as: DICKENSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $33 | $33 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $84 | $0 | $84 | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $54 | $0 | $54 | 2.74% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $31 | $31 | 1.57% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $865K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 221 | $216K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 331 | $49K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 331 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.