| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | GUARDIAN | $218K | $0 | $218K | 22.39% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC | — | GUARDIAN | $0 | $37K | $37K | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOC INC | 3800 N. CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | GUARDIAN | $31K | $0 | $31K | 3.15% |
| RODRIGUEZ, PAULINE F | 2660 HIGHWAY 231 SOUTH SHELBYVILLE, TN 371606551 | MANHATTANLIFE | $295 | $0 | $295 | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOC INC-PHOENI | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 850121979 | MANHATTANLIFE | $232 | $0 | $232 | 1.61% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC | 30 WATERSIDE DR FARMINGTON, CT 06032 | MANHATTANLIFE | $25 | $0 | $25 | 0.17% |
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 | 517 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 853 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 853 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 853 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 516 | $989K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 516 | $989K |
| Long-term disability | GUARDIAN | 516 | $974K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 516 | $989K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.