| 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 | $74K | $0 | $74K | 2.75% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DR S BLDG C STE 360 JACKSONVILLE, FL 32224 | BLUE CROSS BLUE SHIELD OF ARIZONA | -$14K | $0 | -$14K | -0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 8.64% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.73% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $7K | $0 | $7K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 8.96% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 9.16% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.83% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 25.02% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $639 | $0 | $639 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $526 | $0 | $526 | 9.25% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $105 | $105 | 1.85% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 37.63% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $528 | $0 | $528 | 10.01% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $830 | $830 | 28.36% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $293 | $0 | $293 | 10.01% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $96 | $96 | 26.52% |
| AON CONSULTING INC Filed as: AON RISK SERVICES INC | 13901 SUTTON PARK DRIVE BLDG C STE360 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | $0 | $36 | 9.94% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 410 | $2.7M |
| Dental | DELTA DENTAL OF ARIZONA | 371 | $144K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $58K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $186K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $130K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 410 | $2.7M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.