| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $39K | $0 | $39K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $3K | $0 | $3K | 6.00% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY BOEHLER | — | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.87% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.95% |
| FILIPE COELHO | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.63% |
| JEFFREY D HARNED Filed as: JEFFREY TORELLO | — | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.21% |
| Z.RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $495 | $0 | $495 | 1.47% |
| THE BIA GROUP LLC | 4501 EAST WELLDON AVE PHOENIX, AZ 85018 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.59% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.45% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC Filed as: PROGRESSIVE BENEFITSOLUTIONS LLC | 14 BUSINESS PARK DRIVE # 8 BRANFORD, CT 06405 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.91% |
| JOSE A SCHIENEMAN | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.57% |
| ADVANBEN MIDATLANTIC, LLC | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $793 | $0 | $793 | 3.93% |
| FILIPE COELHO | 4501 E WELDON AVE PHOENIX, AZ 850186056 | TRANSAMERICA LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N. SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $944 | $0 | $944 | 6.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 227 | $739K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 199 | $54K |
| Vision | VISION SERVICE PLAN | 139 | $16K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 33 | $20K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 141 | $34K |
| Other | ASSURITY LIFE INSURANCE COMPANY | 141 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.