| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP, AN ALERA GR | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $117K | $0 | $117K | 12.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA, GR, 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $0 | $17K | 7.35% |
| 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 | $8K | $8K | 3.38% |
| 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 | $9K | $366 | $9K | 14.04% |
| ALL PRO BENEFITS LLC3 | 675 MADISON AVE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.84% |
| OLSON MICHAEL3 | 8151 E INDIANA BEND RD SUITE 107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $571 | $0 | $571 | 1.14% |
| STRATEGIC BNFT PARTNERS LLC3 | 200 36TH AVE NW #720382 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | $0 | $346 | 0.69% |
| 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 | $171 | $3K | 10.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | AN ALERA GROUP AGENCY, LLC 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | ARMADA CARE | $150 | $0 | $150 | 0.72% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 13.77% |
| LEGAL BENEFITS STOLTZ LLC4 | 8390 E VIA DE VENTURA STE 205 SCOTTSDALE, AZ 852583189 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.21% |
| ROBERT GARCIA4 | 809 W CALLE MILU TUCSON, AZ 857063924 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA GR 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $477 | $0 | $477 | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BEN AN | ALERA GRP 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $0 | $273 | $273 | 4.01% |
| 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 | $905 | $30 | $935 | 15.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA GR 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $178 | $0 | $178 | 6.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BEN AN | ALERA GRP 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $102 | $102 | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, AN | ALERA GRP 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $26 | $0 | $26 | 6.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BEN AN | ALERA GRP 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $15 | $15 | 4.01% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 377 | $938K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 296 | $240K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 296 | $230K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 436 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $33K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 436 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.