| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $89K | $30K | $118K | 13.34% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $0 | $56K | 22.61% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $0 | $53K | 22.27% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 20.64% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | ARAG INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.16% |
| GCG FINANCIAL LLC Filed as: DBL GENERAL AGENCY AN ALERA GRP | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
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 | 2,205 | 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) | 2,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,901 | $888K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,901 | $888K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,901 | $888K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,901 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,901 | — |
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.