| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84K | $3K | $87K | 10.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $42 | $10K | 7.42% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.24% |
| ALL PRO BENEFITS LLC | 8151 E INDIAN BEND RD SUITE 107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.54% |
| OLSON MICHAEL | 8151 E INDIAN BEND RD SUITE 107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 18.74% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 13.77% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | ARMADA CARE | $275 | $0 | $275 | 1.15% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $826 | $0 | $826 | 8.48% |
| LEGAL BENEFITS STOLTZ LLC4 | 8390 E VIA DE VENTURA SUITE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $68 | $0 | $68 | 0.70% |
| MITCHELL CROPP4 | 2816 DORR AVE FAIRFAX, VA 22031 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.38% |
| JAMES BENSHOOF4 | PO BOX 60 MACOMB, OK 74852 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.27% |
| DAVID PAPERNO4 | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA BEHAVIORAL HEALTH, INC. | $179 | $0 | $179 | 3.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC. | $300 | $0 | $300 | 6.99% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $634 | $155 | $789 | 18.66% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $148 | — | $148 | 7.01% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | CIGNA DENTAL HEALTH OF OHIO, INC. | $5 | — | $5 | 7.58% |
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 | 251 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $804K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $148K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $141K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Other(5 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 750 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.