| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | AMERITAS LIFE INSURANCE CORP. | $11K | $0 | $11K | 2.50% |
| AGMNGA LLC | — | ASSURITY LIFE INSURANCE COMPANY | $106K | $0 | $106K | 26.73% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | ASSURITY LIFE INSURANCE COMPANY | $71K | $0 | $71K | 17.82% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N. NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | ARMADACARE | $12K | $0 | $12K | 3.07% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 4.80% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | VISION SERVICE PLAN | $8K | $0 | $8K | 6.09% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $829 | $17K | 15.75% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $594 | $12K | 15.75% |
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 | 1,834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 38 | $378K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,032 | $458K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,032 | $586K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,750 | $259K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,750 | $149K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 247 | $335K |
| Other(6 contracts, 5 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,933 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,933 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.