| 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 | $120K | $0 | $120K | 5.06% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN,AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $48K | $48K | 2.02% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD#100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $17K | $0 | $17K | 11.47% |
| KAREN MARIE JONES Filed as: KAREN JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $4K | $26 | $4K | 5.23% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $2K | $0 | $2K | 1.86% |
| KORI A ALLEN Filed as: KORI ALLEN | 24654 N LAKE PLEASANT PKWY STE 103-115 PEORIA, AZ 85383 | AFLAC | $930 | $26 | $956 | 1.14% |
| NANCY ELLEN CARLSON Filed as: NANCY CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $586 | $0 | $586 | 0.70% |
| KIM J JONES Filed as: KIM JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $489 | $0 | $489 | 0.58% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $471 | $0 | $471 | 0.56% |
| ALFREDO VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $392 | $12 | $404 | 0.48% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A#614 SCOTTSDALE, AZ 85254 | AFLAC | $336 | $0 | $336 | 0.40% |
| DAVID R LATTIMER Filed as: DAVID LATTIMER | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $247 | $12 | $259 | 0.31% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $257 | $0 | $257 | 0.31% |
| CLINTON CHARLES ZELEZ Filed as: CLINTON ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $215 | $0 | $215 | 0.26% |
| KIMBERLY WEBB | 17165 W MOUNTAINAIR ST SURPRISE, AZ 85388 | AFLAC | $205 | $0 | $205 | 0.24% |
| KAMIL A BREEDLOVE Filed as: KAMIL BREEDLOVE | 4700 N 16TH ST APT 238 PHOENIX, AZ 85016 | AFLAC | $176 | $0 | $176 | 0.21% |
| JEFFERY S GIBSON Filed as: JEFFERY GIBSON | 4030 TATES CREEK RD APT 1004 LEXINGTON, KY 40517 | AFLAC | $124 | $0 | $124 | 0.15% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $103 | $0 | $103 | 0.12% |
| MICHAEL SHAUN DAGEN Filed as: MICHAEL DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $62 | $0 | $62 | 0.07% |
| TREVOR NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $53 | $0 | $53 | 0.06% |
| JAMES JOBLON JR | 3130 W WINDROSE DR PHOENIX, AZ 85029 | AFLAC | $49 | $0 | $49 | 0.06% |
| CHAD P SCHNEIDER Filed as: CHAD SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $37 | $0 | $37 | 0.04% |
| ERIC PEDERSON | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $33 | $0 | $33 | 0.04% |
| SAM RICHMOND | 1765 LAKE HAVASU AVE N LAKE HAVASU CITY, AZ 86404 | AFLAC | $19 | $0 | $19 | 0.02% |
| ORIN LEE WILLIAMS Filed as: ORIN WILLIAMS | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $19 | $0 | $19 | 0.02% |
| JAMIE RICHMOND | 1541 N 40TH DR SHOW LOW, AZ 85901 | AFLAC | $18 | $0 | $18 | 0.02% |
| MICHAEL J MCNAUGHTON Filed as: MICHAEL MCNAUGHTON | 333 JB RATCLIFF RD RAYVILLE, LA 71269 | AFLAC | $12 | $0 | $12 | 0.01% |
| DEBRA TORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $11 | $0 | $11 | 0.01% |
| SHARON MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $10 | $0 | $10 | 0.01% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $10 | $0 | $10 | 0.01% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $10 | $0 | $10 | 0.01% |
| JASON ELIJAH ANGEL Filed as: JASON ANGEL | 35468 N SHORTHORN TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $9 | $0 | $9 | 0.01% |
| JOAN FERREE | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $8 | $0 | $8 | 0.01% |
| ZAKERY HARLOW | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $7 | $0 | $7 | 0.01% |
| RYAN KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $7 | $0 | $7 | 0.01% |
| PREFERRED MARKETING CORP | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $5 | $0 | $5 | 0.01% |
| SCOTT W BLACKSHEAR Filed as: SCOTT GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $4 | $0 | $4 | 0.00% |
| GREGORY STENZEL | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $3 | $0 | $3 | 0.00% |
| WILLIAM J SHARP Filed as: WILLIAM SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $2 | $0 | $2 | 0.00% |
| LAUREL L HARLOW Filed as: LAUREL HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | $0 | $2 | 0.00% |
| TIMOTHY MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMI GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $2 | $0 | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N. NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | ARIZONA EYECARE ALLIANCE | $7K | $0 | $7K | 9.94% |
| AREA SALES DIRECTOR VCD | PO BOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $3K | $0 | $3K | 4.41% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, A ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 14.76% |
| 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 | $3K | $3K | 4.92% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 852541825 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.17% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.51% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $0 | $626 | 1.37% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 24654 N. LAKE PLEASANT PKWY PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $0 | $586 | 1.28% |
| CHANDA MANSKE3 | 11966 W JESSIE LN SUN CITY, AZ 85373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | $0 | $413 | 0.90% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $20 | $340 | 0.74% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $95 | $233 | 0.51% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $0 | $204 | 0.44% |
| NANCY E CARLSON3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 0.41% |
| JEFFRY MICHAEL DORN3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $0 | $149 | 0.32% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.22% |
| BILL HIGHSMITH3 | 9234 N 32ND PLACE PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.13% |
| KELLIE GREENE VALDEZ3 | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.11% |
| LAUREN ELIZABETH MILNER3 | 4241 N 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 0.05% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| JOHN T OSBORNE3 | 8801 EAST 29TH STREET TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.04% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ANNALISA MARIE KURZ3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
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 | 215 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $2.7M |
| Vision | ARIZONA EYECARE ALLIANCE | 767 | $73K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $100K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 90 | $130K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $51K |
| Other(4 contracts, 4 carriers) | AFLAC | 215 | $230K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.