| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC | 400 E RIVULON BLVD STE 116 GILBERT, AZ 85297 | BLUE CROSS BLUE SHIELD OF ARIZONA | $102K | $0 | $102K | 3.95% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $9K | $0 | $9K | 0.34% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 7.65% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 7.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.04% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 22.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 13.44% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.56% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 18.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 11.94% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $642 | $0 | $642 | 1.05% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 11.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 9.31% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.52% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.50% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.68% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.71% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.22% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $932 | $932 | 18.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $595 | $595 | 12.10% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $437 | $0 | $437 | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55 | $0 | $55 | 1.12% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSN LLC | PO BOX 130 CEDAR CITY, UT 84721 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 25.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $647 | $647 | 14.50% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD 116 GILBERT, AZ 85297 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $401 | $0 | $401 | 8.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45 | $0 | $45 | 1.01% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 642 | $2.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $142K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $33K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $68K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 642 | $2.6M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.