| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $122K | $0 | $122K | 5.06% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $13K | $0 | $13K | 9.92% |
| GIS BENEFITS INC Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | DELTA DENTAL OF ARIZONA | $496 | $0 | $496 | 0.39% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 22.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $385 | $385 | 0.67% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.98% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $9K | 30.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $227 | $227 | 0.73% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $177 | $177 | 0.64% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 27.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $148 | $148 | 0.72% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 28.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $110 | $110 | 0.66% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $969 | $3K | 20.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $112 | $112 | 0.69% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | ALPHA DENTAL OF ARIZONA, INC. | $762 | $0 | $762 | 10.00% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | ALPHA DENTAL OF ARIZONA, INC. | $38 | $0 | $38 | 0.50% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $316 | $1K | 19.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.58% |
| VOLUNTARY BENEFIT ADVISORS | 2400 MAIN ST #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $401 | $36 | $437 | 12.07% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189 | $0 | $189 | 5.22% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $512 | $572 | $1K | 42.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.20% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | $331 | $621 | 32.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.67% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 11.96% |
| VOLUNTARY BENEFIT ADVISORS | 2400 MAIN ST#200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 3.26% |
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 | 454 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 366 | $2.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 272 | $135K |
| Vision | VISION SERVICE PLAN | 165 | $35K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $46K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $58K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 268 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 366 | $2.4M |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 468 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.