| 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 | $15K | $0 | $15K | 4.17% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $121 | $3K | 10.49% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $135 | $3K | 10.54% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $980 | $50 | $1K | 10.54% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $296 | $0 | $296 | 5.04% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $55 | $0 | $55 | 0.94% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $42 | $0 | $42 | 0.71% |
| NANCY ELLEN CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $32 | $0 | $32 | 0.54% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $31 | $0 | $31 | 0.53% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $18 | $0 | $18 | 0.31% |
| CLINTON CHARLES ZELEZ | 25111 N 21ST AVE UNIT 54 PHOENIX, AZ 85085 | AFLAC | $9 | $0 | $9 | 0.15% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $8 | $0 | $8 | 0.14% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $6 | $0 | $6 | 0.10% |
| JASON ELIJAH ANGEL | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | AFLAC | $6 | $0 | $6 | 0.10% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $5 | $0 | $5 | 0.09% |
| MELISSA A SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $3 | $0 | $3 | 0.05% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $2 | $0 | $2 | 0.03% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $2 | $0 | $2 | 0.03% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $2 | $0 | $2 | 0.03% |
| LAUREL L HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | $0 | $2 | 0.03% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $455 | $0 | $455 | 10.03% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $196 | $11 | $207 | 10.57% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 59 | $349K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 59 | $349K |
| Vision | EYEMED VISION CARE | 54 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 59 | $349K |
| Other(2 contracts, 2 carriers) | AFLAC | 10 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.