| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 14850 N SCOTTSDALE RD STE 225 SCOTTSDALE, AZ 85254 | BLUE CROSS & BLUE SHIELD OF ARIZONA | $58K | $0 | $58K | 2.42% |
| 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 | $5K | $0 | $5K | 0.19% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 725 SOUTH FIGUEROA STREET 35TH FLOOR SCOTTSDALE, CA 90017 | GUARDIAN | $32K | $1K | $33K | 9.45% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85260 | GUARDIAN | $6K | $0 | $6K | 1.77% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 253 | $2.4M |
| Dental | GUARDIAN | 295 | $348K |
| Vision | GUARDIAN | 295 | $348K |
| Life insurance | GUARDIAN | 295 | $348K |
| Short-term disability | GUARDIAN | 295 | $348K |
| Long-term disability | GUARDIAN | 295 | $348K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 316 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.