| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | NA SCOTTSDALE, AZ 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $152K | $0 | $152K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | NA SCOTTSDALE, AZ 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 0.78% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | NA LOS ANGELES, CA 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | NA SCOTTSDALE, AZ 00000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP LLC ALERA GR | 16220 N SCOOTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 14.73% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP LLC ALERA GR | 16220 N SCOOTSDALE RD SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEAC, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GROUP LLC ALERA GR | 16220 N SCOOTSDALE RD SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | VISION SERVICE PLAN | $8K | $0 | $8K | 10.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $23K |
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 | 1,297 | 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) | 1,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,297 | $6.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,297 | $6.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,297 | $6.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $285K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $165K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,297 | $6.7M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.