| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 852541781 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 5.43% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.48% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.26% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $931 | $0 | $931 | 9.46% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $485 | $47 | $532 | 5.81% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $79 | $0 | $79 | 0.86% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $62 | $11 | $73 | 0.80% |
| NANCY ELLEN CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $63 | $0 | $63 | 0.69% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $37 | $0 | $37 | 0.40% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $20 | $0 | $20 | 0.22% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $18 | $0 | $18 | 0.20% |
| JASON ELIJAH ANGEL | 35468 N SHORTHORN TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $15 | $0 | $15 | 0.16% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $13 | $0 | $13 | 0.14% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $12 | $0 | $12 | 0.13% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $11 | — | $11 | 0.12% |
| DAVID R LATTIMER | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $7 | $3 | $10 | 0.11% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $8 | $0 | $8 | 0.09% |
| MELISSA A SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $7 | $0 | $7 | 0.08% |
| DENISE JANE FORCONI | 5065 E MAZATZAL DR CAVE CREEK, AZ 85331 | AFLAC | $4 | $0 | $4 | 0.04% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $3 | $0 | $3 | 0.03% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $2 | $0 | $2 | 0.02% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $2 | $0 | $2 | 0.02% |
| LAUREL L HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | $0 | $2 | 0.02% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $525 | $0 | $525 | 9.89% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | $0 | $225 | 9.72% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $331K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | EYEMED VISION CARE | 67 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 14 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.