| 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 | $21K | $0 | $21K | 5.39% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 21.86% |
| JEFFREY D HARNED Filed as: JEFFREY TORELLO | — | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.10% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY BOEHLER | — | ASSURITY LIFE INSURANCE COMPANY | $992 | $0 | $992 | 3.88% |
| ROY CHILDRESS Filed as: ROY QUINONES | — | ASSURITY LIFE INSURANCE COMPANY | $689 | $0 | $689 | 2.70% |
| Z.RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $588 | $0 | $588 | 2.30% |
| FILIPE COELHO | — | ASSURITY LIFE INSURANCE COMPANY | $254 | $0 | $254 | 0.99% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.78% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY M BOEHLER | 8325 E ANGUS DRIVE SCOTTSDALE, AZ 85251 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.77% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC Filed as: PROGRESSIVE BENEFITSOLUTIONS LLC | 14 BUSINESS PARK DRIVE # 8 BRANFORD, CT 06405 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.64% |
| ROY CHILDRESS Filed as: ROY QUINONES | 175 W SAGEBRUSH ST GILBERT, AZ 85282 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.34% |
| THE BIA GROUP LLC | 4501 EAST WELLDON AVE PHOENIX, AZ 85018 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.29% |
| ADVANBEN MIDATLANTIC, LLC | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $776 | $0 | $776 | 4.71% |
| JOSE A SCHIENEMAN | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | TRANSAMERICA LIFE INSURANCE COMPANY | $363 | $0 | $363 | 2.20% |
| FILIPE COELHO | 4501 E WELDON AVE PHOENIX, AZ 850186056 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.14% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $319 | $319 | 3.55% |
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 | 134 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 109 | $393K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 109 | $393K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $9K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 152 | $25K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 144 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 109 | $393K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 152 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.