| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 850121979 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $12K | $42K | 11.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 850121979 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.52% |
| BROCKHURST & ASSOCIATES3 | 1212 EAST OSBORN RD SUITE 110 PHOENIX, AZ 85014 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 16.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | UNION SECURITY INSURANCE COMPANY | $724 | $0 | $724 | 3.11% |
| DONALD J FECHTER Filed as: DONALD FECHTER | 2425 S STEARMAN DR SUITE 110 CHANDLER, AZ 85286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.28% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | $0 | $357 | 1.72% |
| DONALD J FECHTER Filed as: DONALD FECHTER | 2425 S STEARMAN DR SUITE 110 CHANDLER, AZ 85286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $499 | $0 | $499 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $249 | $249 | 4.99% |
| DONALD J FECHTER Filed as: DONALD FECHTER | 2425 S STEARMAN DR SUITE 110 CHANDLER, AZ 85286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | $0 | $52 | 10.04% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $26 | $26 | 5.02% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $355K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $49K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $355K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 43 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $518 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.