| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | $0 | $38K | 4.21% |
| 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 | $7K | $0 | $7K | 0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | NOT PROVIDED HOUSTON, TX 77218 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $836 | $4K | 7.62% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.89% |
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST INC | 7600 B N CAPITAL OF TEXAS HWY SUITE 200 AUSTIN, TX 78731 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 6.86% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | PREMIER ACCESS INSURANCE COMPANY | $487 | $0 | $487 | 1.27% |
| USI INSURANCE SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $586 | $0 | $586 | 5.17% |
| USI INSURANCE SERVICES LLC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | EYEMED VISION CARE | $277 | $0 | $277 | 2.44% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $154 | $0 | $154 | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | EMPLOYERS DENTAL SERVICES | $464 | — | $464 | 7.83% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 202 | $900K |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY | 138 | $44K |
| Vision | EYEMED VISION CARE | 165 | $11K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 112 | $56K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 112 | $56K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 112 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 202 | $900K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 112 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.