| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $27K | $0 | $27K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | $0 | $5K | 7.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.79% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY BOEHLER | — | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.13% |
| JEFFREY D HARNED Filed as: JEFFREY TORELLO | — | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.57% |
| FILIPE COELHO | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.43% |
| Z.RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $872 | $0 | $872 | 1.50% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.00% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 215 | $600K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 214 | $71K |
| Vision | VISION SERVICE PLAN | 162 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $26K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 295 | $58K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 295 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.