| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $49K | $0 | $49K | 3.85% |
| USI INSURANCE SERVICES LLC | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $16K | $0 | $16K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 9.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $6K | $0 | $6K | 8.38% |
| USI INSURANCE SERVICES LLC Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $624 | $0 | $624 | 5.65% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $481 | $0 | $481 | 4.35% |
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 | 136 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 174 | $1.3M |
| Dental | DELTA DENTAL OF ARIZONA | 164 | $73K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 83 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $110K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $110K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $110K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 174 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.