| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $28K | $0 | $28K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $37 | $2K | 3.65% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.43% |
| KAREN MARIE JONES | 16211 N SCOTTSDALE RD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $2K | $51 | $2K | 5.48% |
| GBS ARIZONA INC | 2333 W UNIVERSITY DR STE 103 TEMPE, AZ 85281 | AFLAC | $487 | $0 | $487 | 1.69% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AFLAC | $432 | $0 | $432 | 1.50% |
| ALFREDO N VARGAS | 6230 N FLORENCE AVE LITCHFIELD PARK, AZ 85340 | AFLAC | $194 | $33 | $227 | 0.79% |
| KORI A ALLEN | 24654 N LAKE PLEASANT PKWY STE 103-115 PEORIA, AZ 85383 | AFLAC | $197 | $9 | $206 | 0.71% |
| RANDY DOPITA | 16211 N SCOTTSDALE RD STE A6A # 614 SCOTTSDALE, AZ 85254 | AFLAC | $101 | $0 | $101 | 0.35% |
| JEFFERY S GIBSON | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $97 | $0 | $97 | 0.34% |
| DEBRA K TORNBERG | 26065 N 68TH DR PEORIA, AZ 85383 | AFLAC | $44 | $36 | $80 | 0.28% |
| SHAWN HOLTORF | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $78 | $0 | $78 | 0.27% |
| NANCY ELLEN CARLSON | 9506 W APPALOOSA DR SUN CITY, AZ 85373 | AFLAC | $74 | $0 | $74 | 0.26% |
| MELISSA A SCHOFIELD Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $53 | $17 | $70 | 0.24% |
| ARIZONA FEDERAL INS SOLUTIONS LLC | 1125 E SOUTHERN AVE STE 101 MESA, AZ 85204 | AFLAC | $51 | $0 | $51 | 0.18% |
| JEFFREY A KLEINMAN SR Filed as: JEFFREY AARON KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $47 | $0 | $47 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: CELESTE BROWN | 4521 W SWEETWATER AVE GLENDALE, AZ 85304 | AFLAC | $43 | $0 | $43 | 0.15% |
| SCOTT WEBB | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $43 | $0 | $43 | 0.15% |
| DAVID R LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $29 | $0 | $29 | 0.10% |
| KORI A ALLEN | 16211 N SCOTTSDALE RD 614 SCOTTSDALE, AZ 85254 | AFLAC | $27 | $0 | $27 | 0.09% |
| MICHAEL SHAUN DAGEN | 13764 W JESSE RED DR PEORIA, AZ 85383 | AFLAC | $25 | $0 | $25 | 0.09% |
| JASON ELIJAH ANGEL | 2550 W UNION HILLS DR STE 350 PHOENIX, AZ 85027 | AFLAC | $25 | $0 | $25 | 0.09% |
| ANTHONY J WHITBY | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $15 | $8 | $23 | 0.08% |
| BARBARA ANN MCNAUGHTON | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $22 | $0 | $22 | 0.08% |
| RYAN KADAVY Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $21 | $0 | $21 | 0.07% |
| SCOTT W BLACKSHEAR Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $20 | $0 | $20 | 0.07% |
| JEANNETTE YVONNE DURRANI | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $11 | $8 | $19 | 0.07% |
| ROSLYN M KLEINMAN | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $17 | $0 | $17 | 0.06% |
| DAVID R LATTIMER | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $16 | $0 | $16 | 0.06% |
| JOANN MAY DUVAL-BARTMESS | 26016 N 85TH DR PEORIA, AZ 85383 | AFLAC | $13 | $0 | $13 | 0.05% |
| CLINTON CHARLES ZELEZ | 6986 W QUAIL AVE GLENDALE, AZ 85308 | AFLAC | $12 | $0 | $12 | 0.04% |
| JEFFREY A KLEINMAN SR | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $5 | $0 | $5 | 0.02% |
| JULIE A RODEN Filed as: JULIE ANN RODEN | 8713 E MALCOMB DR SCOTTSDALE, AZ 85250 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL G GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $4 | $0 | $4 | 0.01% |
| NATALIE MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $4 | $0 | $4 | 0.01% |
| HUGH B DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | AFLAC | $4 | $0 | $4 | 0.01% |
| JASON ELIJAH ANGEL | 18001 N 79TH AVE STE C62 GLENDALE, AZ 85308 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFFERY S GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHAD P SCHNEIDER | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL J MCNAUGHTON | 333 JB RATCLIFF RD RAYVILLE, LA 71269 | AFLAC | $1 | $0 | $1 | 0.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 136 | $553K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $52K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $52K |
| Short-term disability | AFLAC | 26 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 136 | $553K |
| Other(2 contracts, 2 carriers) | AFLAC | 100 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.