| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GROUP, AN ALERA GR | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | $0 | $85K | 11.88% |
| GCG FINANCIAL LLC Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $31K | $31K | 4.36% |
| ANGELONE & ASSOCIATES, INC. Filed as: ANGELONE & ASSOCIATES INC | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$28 | -$28 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTDALE RD #100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $15K | $0 | $15K | 9.14% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP ALERA GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.60% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.69% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GROUP, AN ALERA GR | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 852541825 | MHN SERVICES, LLC | $366 | $0 | $366 | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD 221 SCOTTSDALE, AZ 85260 | MHN SERVICES, LLC | $165 | $0 | $165 | 1.55% |
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 | 216 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $717K |
| Dental | DELTA DENTAL OF ARIZONA | 365 | $164K |
| Vision | EYEMED VISION CARE | 348 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $161K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $161K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.