| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $61K | $0 | $61K | 4.96% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 16.87% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $851 | $13K | 11.66% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 14300 N NORTHSIG HT BLVD #221 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 12.75% |
| MICHAEL P ROLDAN | 4515 SOUTH MCCLINTO CK DRIVE UNIT 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.37% |
| MICHAEL A. TOTTIS Filed as: MICHAEL A TOTTIS | 8438 E. CHAPARR AL RD SCOTTSDALE, AZ 85250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.71% |
| MICHAEL EDWARD LI Filed as: MICHAEL E LI | 5751 N KOLB RD 39202 TUCSON, AZ 85750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.27% |
| FILIPE A COELHO | 4515 S MCCLINTO CK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.74% |
| KELLY MCGARRY | 4750 N ORACLE RD SUITE #214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.01% |
| TINA MARIE ANGOTTI Filed as: TINA M ANGOTTI | 1920 ATCHISON AVE WHITING, IN 46394 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742 | $0 | $742 | 1.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $645 | $4K | 12.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $155 | $4K | 17.10% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $215 | $1K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, AN ALE | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | STARMOUNT LIFE INSURANCE COMPANY | $801 | $160 | $961 | 12.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $4 | $1K | 19.17% |
| TINA MARIE ANGOTTI | 2626 N CAMPBELL AVE TUCSON, AZ 85719 | AFLAC | $28 | $0 | $28 | 5.52% |
| KATHY LEE BRIGHT | 807 N BROWN AVE CASA GRANDE, AZ 85122 | AFLAC | $7 | $0 | $7 | 1.38% |
| BRITTON JOHNSON Filed as: BRITTON L JOHNSON | 3220 N ACADEMY BLVD STE 1 COLORADO SPRINGS, CO 80917 | AFLAC | $4 | $0 | $4 | 0.79% |
| BRYAN TUCKER Filed as: BRYAN D TUCKER | 24654 N LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $3 | $0 | $3 | 0.59% |
| PATRICIA J GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $3 | $0 | $3 | 0.59% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $2 | $0 | $2 | 0.39% |
| LAUREL L HARLOW | 6200 W ROAN PL TUSON, AZ 85743 | AFLAC | $2 | $0 | $2 | 0.39% |
| MELISSA B BOYLE | 4125 E WILDWOOD DR PHOENIX, AZ 85048 | AFLAC | $2 | $0 | $2 | 0.39% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT #303 SHERMAN OAKS, CA 91423 | AFLAC | $1 | — | $1 | 0.20% |
| GREGORY F STENZEL | 1249 KIOWA DR W GAINSVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.20% |
| APRIL L FARRELL | 4515 MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $1 | $0 | $1 | 0.20% |
| JEFFERY S GIBSON | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $1 | $0 | $1 | 0.20% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 161 | $1.9M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 161 | $872K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 123 | $122K |
| Life insurance(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $274K |
| Short-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $250K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $168K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 161 | $1.9M |
| Other(7 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 161 | $958K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.