| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $53K | $0 | $53K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $0 | $25K | $25K | 4.34% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $0 | $39K | 11.27% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.76% |
| KELLY MCGARRY | 8785 N MOONFIRE DR TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $723 | $0 | $723 | 2.18% |
| JIM EDWARD WARNER | 30112 E. SLATER LN MARANA, AZ 85658 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | $0 | $521 | 1.57% |
| MICHAEL P ROLDAN Filed as: MICHAEL PETER ROLDAN SR | 4515 SOUTH MCCLINTOCK DRIVE UNIT 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | $0 | $469 | 1.41% |
| MICHAEL A. TOTTIS Filed as: MICHAEL ANTHONY TOTTIS | 8438 E CHAPARRAL RD SCOTTSDALE, AZ 85250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | $0 | $403 | 1.21% |
| FILIPE A COELHO | 4515 S. MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | 0.65% |
| ROY EDWARD STEWART | 8340 N THORNYDALE RD STE 110-305 TUCSON, AZ 85741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | $0 | $154 | 0.46% |
| MICHAEL EDWARD LI | 4210 N CAMINO VINORAMA TUCSON, AZ 857501828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.40% |
| TINA MARIE ANGOTTI | 1920 ATCHISON AVE WHITING, IN 463941502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.36% |
| NICHOLAS J DONIA Filed as: NICHOLAS JOSEPH DONIA | 74 E CAMINO LIMON VERDE SAHUARITA, AZ 85629 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.15% |
| KAMIL ADRIEENE BREEDLOVE | 6101 W. ARIZONA PAVILLIONS DRIVE APT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.08% |
| GEORGE PADRON | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
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 | 218 | 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) | 220 | 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 | 204 | $1.7M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 221 | $946K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $345K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $379K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $379K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $345K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 204 | $1.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 221 | $946K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.