| 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 85012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $278K | $100K | $379K | 21.43% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | GUARDIAN | $20K | $3K | $23K | 8.85% |
| GCG FINANCIAL LLC Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE SUITE100 SCOTTSDALE, AZ 85254 | GUARDIAN | $2K | $0 | $2K | 0.83% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC. | — | GUARDIAN | $0 | $177 | $177 | 0.07% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | $158 | $51K | 23.08% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 N 13TH ST PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $8K | $34K | 15.56% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $12K | 5.35% |
| LAUREN ELIZABETH MILNER3 | 1257 E VOLTAIRE AVE PHOENIX, AZ 85022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.26% |
| CATHERINE ANN CLAWSON3 | 5822 N 13TH ST PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $0 | $383 | 0.17% |
| CUSTOM INSURANCE SPECIALISTS INC3 | 886 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.01% |
| ELITE CONSULTING AND INSURANCE3 Filed as: ELITE CONSULTING & INSURANCE SERVIC | P.O. BOX 1729 LOOMIS, CA 95650 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.00% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RODRIGUEZ, PAULINE F | 2660 HIGHWAY 231 SOUTH SHELBYVILLE, TN 371606551 | MANHATTANLIFE | $443 | $0 | $443 | 3.08% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 850121979 | MANHATTANLIFE | $272 | $0 | $272 | 1.89% |
| 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 | 463 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 772 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 772 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 772 | $1.8M |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 458 | $495K |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN | 458 | $495K |
| Long-term disability | GUARDIAN | 458 | $259K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 458 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.