| 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 | $38K | $0 | $38K | 5.06% |
| USI INSURANCE SERVICES LLC | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $160 | $0 | $160 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.90% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.95% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EYEMED VISION CARE | $819 | $0 | $819 | 8.77% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $413 | $0 | $413 | 10.01% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $0 | $206 | $206 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $25 | $0 | $25 | 10.08% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $12 | $12 | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $23 | $0 | $23 | 10.04% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $0 | $11 | $11 | 4.80% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $23 | $0 | $23 | 10.04% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $0 | $11 | $11 | 4.80% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $10 | $0 | $10 | 10.42% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $5 | $5 | 5.21% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $745K |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $47K |
| Vision | EYEMED VISION CARE | 155 | $9K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $40K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $40K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $745K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.