| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $57K | $0 | $57K | 5.08% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $2K | $14K | 11.25% |
| GCG FINANCIAL LLC Filed as: BENE COMM GRP AN ALERA GRP ACY LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.60% |
| MICHAEL A. TOTTIS Filed as: MICHAEL A TOTTIS | 8438 E. CHAPARR AL RD SCOTTSDALE, AZ 85250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.76% |
| MICHAEL P ROLDAN | 4515 SOUTH MCCLINTO CK DRIVE UNIT 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.18% |
| MICHAEL EDWARD LI Filed as: MICHAEL E LI | 5751 N KOLB RD 39202 TUCSON, AZ 85750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.09% |
| FILIPE A COELHO | 4515 S MCCLINTO CK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.74% |
| KELLY MCGARRY | 4750 N ORACLE RD SUITE #214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.59% |
| TINA MARIE ANGOTTI Filed as: TINA M ANGOTTI | 1920 ATCHISON AVE WHITING, IN 46394 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | $0 | $457 | 0.69% |
| GEORGE PADRON | 923 E VOLK LN SAN TAN VALLEY, AZ 85140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | 0.33% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $564 | $4K | 11.45% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $289 | $4K | 16.25% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $996 | $140 | $1K | 11.41% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | STARMOUNT LIFE INSURANCE COMPANY | $753 | $105 | $858 | 11.39% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $90 | $1K | 16.25% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | 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 | 198 | $1.9M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 124 | $945K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 108 | $133K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $285K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $259K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $186K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 198 | $1.9M |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 133 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.