| 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 | ARMADACARE | $14K | $0 | $14K | 2.74% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | AMERITAS LIFE INSURANCE CORP. | $13K | $0 | $13K | 2.50% |
| AGMNGA LLC | — | ASSURITY LIFE INSURANCE COMPANY | $83K | $0 | $83K | 17.45% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $67K | $0 | $67K | 13.96% |
| KATHI JO SWEETER Filed as: KATHI SWEETER | — | ASSURITY LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.88% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | FRINGE INSURANCE BENEFITS INC. | $42K | $0 | $42K | 14.68% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | 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 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | VISION SERVICE PLAN | $9K | $0 | $9K | 11.11% |
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 | 2,103 | 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) | 2,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARMADACARE | 330 | $802K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,547 | $514K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,547 | $597K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,054 | $257K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 423 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,054 | $155K |
| Prescription drug | FRINGE INSURANCE BENEFITS INC. | 330 | $287K |
| Stop-loss / reinsurancereinsurance | FRINGE INSURANCE BENEFITS INC. | 330 | $287K |
| Other(5 contracts, 4 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,702 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,702 | — |
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.