| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AMERITAS LIFE INSURANCE CORP. | $13K | $0 | $13K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | ARMADACARE | $12K | $0 | $12K | 2.82% |
| AGMNGA LLC | 1981 BLUE JAY ST SHAKOPEE, MN 55379 | ASSURITY LIFE INSURANCE COMPANY | $85K | $0 | $85K | 23.57% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 16220 N SCOTTSDALE RD STE 100 SUITE 103 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $58K | $0 | $58K | 16.14% |
| KATHI JO SWEETER | 13057 273RD AVE NW ZIMMERMAN, MN 55398 | ASSURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | FRINGE INSURANCE BENEFITS INC. | $44K | $0 | $44K | 14.44% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 5.35% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $8K | — | $8K | 10.36% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | TELADOC HEALTH, INC. | $2K | $0 | $2K | 5.00% |
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 | 1,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FRINGE INSURANCE BENEFITS INC. | 359 | $303K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,213 | $503K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,213 | $582K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,972 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,972 | $153K |
| Prescription drug | FRINGE INSURANCE BENEFITS INC. | 359 | $303K |
| Stop-loss / reinsurancereinsurance | FRINGE INSURANCE BENEFITS INC. | 359 | $303K |
| Other(6 contracts, 5 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,576 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,576 | — |
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.