| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GROUP, AN ALERA GR | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 5.36% |
| ANGELONE & ASSOCIATES, INC. Filed as: ANGELONE & ASSOCIATES INC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.14% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD A6A PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $901 | $530 | $1K | 9.56% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AFLAC | $178 | $0 | $178 | 1.19% |
| NANCY ELLEN CARLSON | 17434 N PARADISE PARK DR PHOENIX, AZ 85032 | AFLAC | $116 | $0 | $116 | 0.78% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $56 | $56 | $112 | 0.75% |
| KORI A ALLEN | 16211 N SCOTTSDALE RD 614 SCOTTSDALE, AZ 85254 | AFLAC | $46 | $54 | $100 | 0.67% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $92 | $0 | $92 | 0.61% |
| KIM J JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $91 | $0 | $91 | 0.61% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $18 | $56 | $74 | 0.49% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A # 614 SCOTTSDALE, AZ 85254 | AFLAC | $64 | $0 | $64 | 0.43% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $43 | $0 | $43 | 0.29% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $41 | $0 | $41 | 0.27% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $37 | $0 | $37 | 0.25% |
| MICHAEL SHAUN DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $25 | $0 | $25 | 0.17% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $21 | $0 | $21 | 0.14% |
| JEFFERY S GIBSON | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $21 | $0 | $21 | 0.14% |
| MELISSA A SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $7 | $0 | $7 | 0.05% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $7 | $0 | $7 | 0.05% |
| DEBRA K TORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $5 | $0 | $5 | 0.03% |
| JEFFREY A KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $5 | $0 | $5 | 0.03% |
| RUSSELL M FERREE | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $3 | $0 | $3 | 0.02% |
| ORIN LEE WILLIAMS | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $3 | $0 | $3 | 0.02% |
| JASON ELIJAH ANGEL | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $2 | $0 | $2 | 0.01% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $2 | $0 | $2 | 0.01% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $2 | $0 | $2 | 0.01% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $2 | $0 | $2 | 0.01% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $2 | $0 | $2 | 0.01% |
| DENISE JANE FORCONI | 5065 E MAZATZAL DR CAVE CREEK, AZ 85331 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY MARTIN Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $1 | $0 | $1 | 0.01% |
| PREFERRED MARKETING CORP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $1 | $0 | $1 | 0.01% |
| GREGORY F STENZEL | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $1 | $0 | $1 | 0.01% |
| RYAN KADAVY Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $1 | $0 | $1 | 0.01% |
| ZAKERY ALLEN HARLOW | 2960 N ACADEMY BLVD STE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $1 | $0 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | BCBS OF ARIZONA PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $566 | $566 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 4.67% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 1.55% |
| CHANDA MANSKE3 | 12145 W JESSIE CT SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 1.42% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $3 | $94 | 1.05% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.86% |
| KORI A ALLEN3 Filed as: KORI ALENE ALLEN | 16211 N. SCOTTSDALE RD A6A 614 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.61% |
| JEFFRY MICHAEL DORN3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.53% |
| NANCY E CARLSON3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.35% |
| GARY MARK HELMS3 | 4230 E ELMWOOD ST MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.31% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.29% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.22% |
| KELLIE GREENE VALDEZ3 | 8611 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.17% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.10% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.10% |
| JOHN T OSBORNE3 | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.07% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| REID NELSON | P. O. BOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $1K | $0 | $1K | 17.00% |
| SCOTT WOOD | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | ARIZONA EYECARE ALLIANCE | $681 | $0 | $681 | 11.03% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $569K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $593K |
| Vision | ARIZONA EYECARE ALLIANCE | 333 | $6K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 392 | $23K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 84 | $24K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 207 | $11K |
| Other(4 contracts, 4 carriers) | AFLAC | 392 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
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.