| 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 | $10K | $0 | $10K | 3.32% |
| PAGE E DEWITT Filed as: PAGE DEWITT | 1616 E LEHI RD MESA, AZ 85203 | BLUE CROSS BLUE SHIELD OF ARIZONA | $5K | $0 | $5K | 1.57% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH ST STE 226 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $2K | $0 | $2K | 0.76% |
| 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 | $123 | $2K | 11.45% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $441 | $0 | $441 | 3.15% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $147 | $147 | 1.05% |
| 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 | $98 | $1K | 11.91% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $303 | $0 | $303 | 2.85% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $101 | $101 | 0.95% |
| 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 | $84 | $1K | 11.71% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281 | $0 | $281 | 3.01% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $94 | $94 | 1.01% |
| 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 | $403 | $50 | $453 | 8.19% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 1.97% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $55 | $55 | 0.99% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM INSURANCE COMPANY | $727 | $5 | $732 | 15.86% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM INSURANCE COMPANY | $196 | $24 | $220 | 4.77% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | STARMOUNT LIFE INSURANCE COMPANY | $235 | $24 | $259 | 9.67% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | STARMOUNT LIFE INSURANCE COMPANY | $59 | $0 | $59 | 2.20% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 STE 320 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.93% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM INSURANCE COMPANY | $375 | $23 | $398 | 15.14% |
| DEWITT, PAGE E | 2211 E QUINCE MESA, AZ 85213 | UNUM INSURANCE COMPANY | $79 | $0 | $79 | 3.01% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 60 | $289K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 60 | $289K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 32 | $3K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 60 | $289K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.