| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | $4K | $125K | 5.49% |
| ANGELONE & ASSOCIATES, INC. Filed as: ANGELONE & ASSOCIATE INC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 1.25% |
| GCG FINANCIAL LLC Filed as: DICKERSON COMMERCE GRP, AN ALERA GR | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.86% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $5K | $7 | $5K | 5.51% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $1K | $0 | $1K | 1.12% |
| NANCY ELLEN CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $673 | $0 | $673 | 0.75% |
| KIM J JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $521 | $0 | $521 | 0.58% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $520 | $0 | $520 | 0.58% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A # 614 SCOTTSDALE, AZ 85254 | AFLAC | $359 | $0 | $359 | 0.40% |
| KORI A ALLEN | 24654 N LAKE PLEASANT PKWY STE 103-115 PEORIA, AZ 85383 | AFLAC | $302 | $7 | $309 | 0.34% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $295 | $3 | $298 | 0.33% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $257 | $0 | $257 | 0.28% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $243 | $0 | $243 | 0.27% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $215 | $0 | $215 | 0.24% |
| MICHAEL SHAUN DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $131 | $0 | $131 | 0.15% |
| JEFFERY S GIBSON | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $118 | $0 | $118 | 0.13% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $109 | $0 | $109 | 0.12% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $81 | $3 | $84 | 0.09% |
| DAVID R LATTIMER | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $67 | $0 | $67 | 0.07% |
| JAMES T JOBLON JR | 1212 N BOGLE AVE CHANDLER, AZ 85225 | AFLAC | $43 | $0 | $43 | 0.05% |
| MELISSA A SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $42 | $0 | $42 | 0.05% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $40 | $0 | $40 | 0.04% |
| ERIC PEDERSON | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $35 | $0 | $35 | 0.04% |
| SAM RICHMOND Filed as: SAM RYAN RICHMOND | 1765 LAKE HAVASU AVE N LAKE HAVASU CITY, AZ 86404 | AFLAC | $32 | $0 | $32 | 0.04% |
| JEFFREY A KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $30 | $0 | $30 | 0.03% |
| JAMIE RICHMOND Filed as: JAMIE LEEANN RICHMOND | 1541 N 40TH DR SHOW LOW, AZ 85901 | AFLAC | $30 | $0 | $30 | 0.03% |
| KORI A ALLEN | 16211 N SCOTTSDALE RD 614 SCOTTSDALE, AZ 85254 | AFLAC | $22 | $0 | $22 | 0.02% |
| ORIN LEE WILLIAMS | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $19 | $0 | $19 | 0.02% |
| DEBRA K TORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $19 | $0 | $19 | 0.02% |
| RUSSELL M FERREE | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $17 | $0 | $17 | 0.02% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $12 | $0 | $12 | 0.01% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $12 | $0 | $12 | 0.01% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $11 | $0 | $11 | 0.01% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $10 | $0 | $10 | 0.01% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $9 | $0 | $9 | 0.01% |
| JASON ELIJAH ANGEL | 2550 W UNION HILLS DR STE 350 PHOENIX, AZ 85027 | AFLAC | $9 | $0 | $9 | 0.01% |
| DENISE JANE FORCONI | 5065 E MAZATZAL DR CAVE CREEK, AZ 85331 | AFLAC | $7 | $0 | $7 | 0.01% |
| ZAKERY ALLEN HARLOW | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $7 | $0 | $7 | 0.01% |
| RYAN KADAVY Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $7 | $0 | $7 | 0.01% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $7 | $0 | $7 | 0.01% |
| GREGORY F STENZEL | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $6 | $0 | $6 | 0.01% |
| PREFERRED MARKETING CORP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $5 | $0 | $5 | 0.01% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIMOTHY MARTIN Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $3 | $0 | $3 | 0.00% |
| LAUREL L HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM J SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $2 | $0 | $2 | 0.00% |
| JASON ELIJAH ANGEL | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $1 | $0 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | ARIZONA EYECARE ALLIANCE | $7K | $0 | $7K | 10.00% |
| AREA SALES DIRECTOR VCD | POBOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $3K | $0 | $3K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.84% |
| 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 | $2K | $2K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.86% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $0 | $428 | 1.12% |
| CHANDA MANSKE | 12145 W JESSIE CT SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 0.99% |
| MARQUEZ BENEFIT GROUP LLC | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $9 | $286 | 0.75% |
| SANDRA HIGHSMITH | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 0.55% |
| JEFFRY MICHAEL DORN | 20407 N 31ST WAY PHOENIX, AZ 85050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.29% |
| KORI A ALLEN Filed as: KORI ALENE ALLEN | 16211 N SCOTTSDALE RD A6A 614 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.23% |
| PECK FINANCIAL SERVICES INC | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $1 | $83 | 0.22% |
| NOAH OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $42 | $67 | 0.17% |
| BILL HIGHSMITH | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.16% |
| NANCY E CARLSON | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.14% |
| JAMES D THRESHER | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $29 | $54 | 0.14% |
| KELLIE GREENE VALDEZ | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.11% |
| GARY MARK HELMS | 4230 E ELMWOOD ST MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.09% |
| JOHN T OSBORNE | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| JOSEPH QUINTANA | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| REYNALDO R GRAJEDA | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $2.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $2.4M |
| Vision | ARIZONA EYECARE ALLIANCE | 767 | $73K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $97K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 90 | $129K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 212 | $49K |
| Other(4 contracts, 4 carriers) | AFLAC | 212 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.