| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE CO. | $21K | $0 | $21K | 10.68% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16620 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | BLUECROSS BLUESHIELD OF TEXAS | $6K | $0 | $6K | 3.13% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM BRADFORD GOULD | — | BLUECROSS BLUESHIELD OF TEXAS | $2K | $0 | $2K | 1.04% |
| 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 | $6K | $2K | $8K | 4.84% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.48% |
| BARBARA GREINER GLASS & ASSOCIATES | 6174 N PARADISE VIEW DR PARADISE VALLEY, AZ 85253 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $515 | $0 | $515 | 1.06% |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $103 | $103 | 0.21% |
| 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 | $3K | $287 | $4K | 14.84% |
| 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 | $456 | $0 | $456 | 2.87% |
| BARBARA GREINER GLASS & ASSOCIATES | 6174 N PARADISE VIEW DR PARADISE VALLEY, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | $0 | $49 | 0.31% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 303 | $2.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 420 | $378K |
| Vision | AETNA LIFE INSURANCE CO. | 420 | $197K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $244K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $171K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
No prospect flags tripped on this filing.