| 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 | $34K | $0 | $34K | 7.25% |
| EMPLOYEE BENEFITS INTL AZ INC Filed as: EMPLOYEE BENEFITS INT AZ INC | 7901 N 16TH STREET SUITE 200 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $19K | $0 | $19K | 4.14% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 6.98% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 7901 N 16TH ST STE 200 PHOENIX, AZ 85020 | HARTFORD LIFE AND ACCIDENT | $9K | $2K | $10K | 3.07% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD#100 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $7K | $0 | $7K | 5.78% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ | 7901 N 16TH ST STE 200 PHOENIX, AZ 85020 | DELTA DENTAL OF ARIZONA | $4K | $0 | $4K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | AVESIS INSURANCE INCORPORATED | $2K | $0 | $2K | 7.14% |
| EMPLOYEE BENEFITS INTERNATIONAL Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 2525 EAST ARIZONA BILTMORE CIRCLE #D144 PHOENIX, AZ 85016 | AVESIS INSURANCE INCORPORATED | $600 | $0 | $600 | 2.85% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 335 | $469K |
| Dental | DELTA DENTAL OF ARIZONA | 396 | $125K |
| Vision | AVESIS INSURANCE INCORPORATED | 313 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $327K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $327K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $327K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 335 | $469K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 335 | $469K |
| Other | HARTFORD LIFE AND ACCIDENT | 281 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.