| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $30K | $0 | $30K | 5.37% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 28.62% |
| JEFFREY D HARNED Filed as: JEFFREY TORELLO | — | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.70% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY BOEHLER | — | ASSURITY LIFE INSURANCE COMPANY | $609 | $0 | $609 | 1.92% |
| ROY QUINONES | — | ASSURITY LIFE INSURANCE COMPANY | $431 | $0 | $431 | 1.36% |
| Z.RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $232 | $0 | $232 | 0.73% |
| FILIPE COELHO | — | ASSURITY LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.15% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 852541825 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.18% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC Filed as: PROGRESSIVE BENEFITSOLUTIONS LLC | 14 BUSINESS PARK DRIVE # 8 BRANFORD, CT 06405 | TRANSAMERICA LIFE INSURANCE COMPANY | $522 | $0 | $522 | 4.12% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY M BOEHLER | PO BOX 5324 SCOTTSDALE, AZ 85261 | TRANSAMERICA LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.95% |
| THE BIA GROUP LLC | 4501 EAST WELLDON AVE PHOENIX, AZ 85018 | TRANSAMERICA LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.81% |
| ROY QUINONES | 175 W SAGEBRUSH ST GILBERT, AZ 85282 | TRANSAMERICA LIFE INSURANCE COMPANY | $86 | $0 | $86 | 0.68% |
| ADVANBEN MIDATLANTIC, LLC | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.53% |
| JOSE A SCHIENEMAN | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.34% |
| FILIPE COELHO | 4501 E WELDON AVE PHOENIX, AZ 850186056 | TRANSAMERICA LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.13% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $316 | $2K | 14.86% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $687 | $687 | 5.89% |
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 | 194 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 149 | $558K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 149 | $558K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 188 | $12K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 188 | $24K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 184 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 149 | $558K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 188 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.