| 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 SCOTTSSDALE, AZ 85254 | MOTIVHEALTH | $49K | $70 | $49K | 5.24% |
| ARIZONA BENEFIT PLANS INC Filed as: ARIZONA BENEFIT PLANS | 1850 CENTRAL AVE #2000 PHOENIX, AZ 85004 | MOTIVHEALTH | $21K | $0 | $21K | 2.26% |
| 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 | $8K | $0 | $8K | 14.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD ASSOCIATES | NOT PROVIDED PHOENIX, AZ 85012 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | NOT PROVIDED PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.54% |
| 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 | $5K | $0 | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | BLUE CROSS BLUE SHIELD OF ARIZONA | $1K | $0 | $1K | 3.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | ASSURITY LIFE INSURANCE COMPANY | $776 | $0 | $776 | 13.75% |
| ASHLEY INSURANCE GROUP Filed as: ASHLEY BOEHLER | — | ASSURITY LIFE INSURANCE COMPANY | $328 | $0 | $328 | 5.81% |
| FILIPE COELHO | — | ASSURITY LIFE INSURANCE COMPANY | $88 | $0 | $88 | 1.56% |
| Z.RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.58% |
| LEGAL BENEFITS STOLTZ LLC4 | 8390 E VIA DE VENTURA STE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $152 | $0 | $152 | 8.91% |
| GCG FINANCIAL LLC4 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $125 | $0 | $125 | 7.33% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MOTIVHEALTH | 186 | $934K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 201 | $48K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $54K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $54K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $54K |
| Prescription drug | MOTIVHEALTH | 186 | $934K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 186 | $934K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.