| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $69K | $0 | $69K | 3.90% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $6K | $0 | $6K | 0.36% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | GUARDIAN LIFE | $20K | $0 | $20K | 12.91% |
| MARSH & MCLENNAN AGENCY LLC | 7202 EAST ROSEWOOD SUITE 200 TUCSON, AZ 85710 | GUARDIAN LIFE | $1K | $0 | $1K | 0.91% |
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 | 310 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $1.8M |
| Dental | GUARDIAN LIFE | 322 | $159K |
| Vision | GUARDIAN LIFE | 322 | $159K |
| Life insurance | GUARDIAN LIFE | 322 | $159K |
| Short-term disability | GUARDIAN LIFE | 322 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $1.8M |
| Other | GUARDIAN LIFE | 322 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.