| 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 | $135K | $2K | $137K | 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 | $54K | $54K | 2.00% |
| 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 | 10.18% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $4K | $133 | $5K | 5.09% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $3K | $0 | $3K | 2.99% |
| KORI A ALLEN | 24654 N LAKE PLEASANT PKWY STE 103-115 PEORIA, AZ 85383 | AFLAC | $2K | $137 | $2K | 2.20% |
| NANCY ELLEN CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $1K | $0 | $1K | 1.32% |
| DAVID R LATTIMER | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $796 | $27 | $823 | 0.92% |
| KIM J JONES | PO BOX 13081 SCOTTSDALE, AZ 85267 | AFLAC | $464 | $0 | $464 | 0.52% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $431 | $0 | $431 | 0.48% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A#614 SCOTTSDALE, AZ 85254 | AFLAC | $339 | $0 | $339 | 0.38% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $242 | $49 | $291 | 0.32% |
| LANCE D THORSON | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $237 | $0 | $237 | 0.26% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $211 | $0 | $211 | 0.23% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $198 | $0 | $198 | 0.22% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $197 | $0 | $197 | 0.22% |
| KAMIL A BREEDLOVE | 4700 N 16TH ST APT 343 PHOENIX, AZ 85016 | AFLAC | $118 | $36 | $154 | 0.17% |
| LANCE D THORSON | 6745 N 93RD AVE UNIT 1154 GLENDALE, AZ 85305 | AFLAC | $153 | $0 | $153 | 0.17% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1007 LEXINGTON, KY 40517 | AFLAC | $94 | $0 | $94 | 0.10% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $74 | $0 | $74 | 0.08% |
| MICHAEL SHAUN DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $48 | $0 | $48 | 0.05% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $42 | $0 | $42 | 0.05% |
| CHAD P SCHNEIDER | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $34 | $0 | $34 | 0.04% |
| JEFFREY A KLEINMAN SR | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $25 | $0 | $25 | 0.03% |
| MELISSA A SCHOFIELD | 5552 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $19 | $0 | $19 | 0.02% |
| ORIN LEE WILLIAMS | 1951 KINGSTREE CT ROCHESTER HILLS, MI 48309 | AFLAC | $16 | $0 | $16 | 0.02% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $12 | $0 | $12 | 0.01% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $11 | $0 | $11 | 0.01% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $11 | $0 | $11 | 0.01% |
| JASON ELIJAH ANGEL | 5339 W MOUNTAIN VIEW RD GLENDALE, AZ 85302 | AFLAC | $9 | $0 | $9 | 0.01% |
| SHARON MCKELVEY Filed as: SHARON I MCKELVEY | 589 E CONESTOGA CIR GRAND JUNCTION, CO 81504 | AFLAC | $9 | $0 | $9 | 0.01% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $9 | $0 | $9 | 0.01% |
| ERIC PEDERSON | 1527 HUCKLEBERRY SPRINGS RD KNOXVILLE, TN 37914 | AFLAC | $8 | $0 | $8 | 0.01% |
| ZAKERY ALLEN HARLOW | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $7 | $0 | $7 | 0.01% |
| RUSSELL M FERREE | 17804 N PHOENICIAN DR SURPRISE, AZ 85374 | AFLAC | $6 | $0 | $6 | 0.01% |
| RYAN KADAVY Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $6 | $0 | $6 | 0.01% |
| PREFERRED MARKETING CORP | 817 CYPRESS OAK CIR DELAND, FL 32720 | AFLAC | $4 | $0 | $4 | 0.00% |
| JAMES T JOBLON JR | 555 E 2100 S UNIT 336 SALT LAKE CITY, UT 84106 | AFLAC | $4 | $0 | $4 | 0.00% |
| DEBRA K TORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $3 | $0 | $3 | 0.00% |
| LAUREL L HARLOW | 2030 W BASELINE RD STE 182 PHOENIX, AZ 85041 | AFLAC | $2 | $0 | $2 | 0.00% |
| GREGORY F STENZEL | 14054 BADIANDS DR FRISCO, TX 75035 | AFLAC | $2 | $0 | $2 | 0.00% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $1 | $0 | $1 | 0.00% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 436 LONE STAR LN HIDEAWAY, TX 75771 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMI GONZALEZ Filed as: JAMI T GONZALEZ | 10224 N 66TH DR GLENDALE, AZ 85302 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM J SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $1 | $0 | $1 | 0.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N. NORTHSIGHT BLVD SCOTTSDALE, AZ 85260 | ARIZONA EYECARE ALLIANCE | $8K | $0 | $8K | 10.00% |
| AREA SALES DIRECTOR VCD | POBOX 30789 MESA, AZ 85275 | ARIZONA EYECARE ALLIANCE | $4K | $0 | $4K | 5.00% |
| 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 | $8K | $0 | $8K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.07% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 16.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.45% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD#100 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.95% |
| KORI A ALLEN3 Filed as: KORI ALLEN | 24654 N LK PLSNT PKWY STE 103 PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.76% |
| KAREN MARIE JONES3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $0 | $930 | 1.96% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $207 | $531 | 1.12% |
| CHANDA MANSKE3 | 826 ANN MARIE CIR BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $0 | $343 | 0.72% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $15 | $337 | 0.71% |
| NANCY E CARLSON3 | 16211 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 0.61% |
| SANDRA HIGHSMITH3 | 9234 N 32ND PL PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.32% |
| PECK FINANCIAL SERVICES INC3 | 27566 N 98TH LN PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $3 | $118 | 0.25% |
| LAUREN ELIZABETH MILNER3 | 4241 N 2ND DR PHOENIX, AZ 85013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $46 | $91 | 0.19% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 | 8601 N BLACK CANYON HWY STE 20 PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $58 | $91 | 0.19% |
| JEFFRY MICHAEL DORN3 | 20235 N CAVE CREEK RD PHOENIX, AZ 85024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.09% |
| BILL HIGHSMITH3 | 9234 N 32ND PL PHOENIX, AZ 85028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.09% |
| KELLIE GREENE VALDEZ3 | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.08% |
| ANNALISA MARIE KURZ3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $5 | $12 | 0.03% |
| V VENTURES LLC3 | 8470 W CHARLESTON AVE PEORIA, AZ 85382 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| JOSEPH QUINTANA3 | 3022 N 49TH CT PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| JOHN T OSBORNE3 | 8801 E 29TH ST TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| GCG FINANCIAL LLC4 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $951 | $0 | $951 | 10.10% |
| TRACY BROUGHTON4 | 6 EDENDALE ST LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $925 | $0 | $925 | 9.83% |
| FAY PEOPLE LLC4 | PO BOX 16372 PHOENIX, AZ 85011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | $0 | $190 | 2.02% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES INC | 125 W 11TH ST NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | $0 | $38 | 0.40% |
| W CRAIG HEPNER4 | 9 GAUCHO RD LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | $0 | $22 | 0.23% |
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 | 205 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $2.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 370 | $254K |
| Vision(2 contracts, 2 carriers) | AFLAC | 714 | $171K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 195 | $242K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 93 | $137K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 195 | $51K |
| Other(5 contracts, 5 carriers) | AFLAC | 195 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.