| 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 | BANNER HEALTH AND AETNA HEALTH | $0 | $13K | $13K | 0.83% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE CO. | $15K | $4K | $19K | 11.44% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 5.65% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.61% |
| BARBARA GREINER GLASS & ASSOCIATES | 4455 E CAMELBACK RD STE 260 D PHOENIX, AZ 85018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.70% |
| BENEFIT ADVISORS NETWORK LLC Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $83 | $83 | 0.18% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $227 | $3K | 16.25% |
| GREINER GLASS, BARBARA, ANN | 4455 E CAMELBACK RD STE 260 D PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | $0 | $998 | 6.10% |
| BARBARA GREINER GLASS & ASSOCIATES | 4455 E CAMELBACK RD STE 260 D PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188 | $0 | $188 | 1.15% |
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 | 257 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 262 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 358 | $163K |
| Vision | AETNA LIFE INSURANCE CO. | 358 | $163K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $203K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 77 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $139K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.