| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD. #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $40K | $0 | $40K | 8.75% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD. #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | $0 | $4K | 7.41% |
| DONALD J FECHTER Filed as: DONALD JOHN FECHTER | 2425 S STEARMAN DR UNIT 110 CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 17.53% |
| ASHLEY MARIE BOEHLER | 8325 EAST ANGUS DRIVE SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 11.05% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 14300 N. NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.81% |
| JOSE A SCHIENEMAN Filed as: JOSE ANTONIO SCHIENEMAN | 4515 S. MCCLINTOCK DR. SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.07% |
| FILIPE A COELHO | 4515 S. MCCLINTOCK DR. SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.37% |
| JEFFREY D TORELLO | 6 GAYLEA DRIVE BRANFORD, CT 06405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $594 | $0 | $594 | 2.09% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 16.19% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD. #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $655 | $0 | $655 | 6.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 157 | $460K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 144 | $55K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 102 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 149 | $26K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 89 | $28K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.