| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 14300 N. NORTHSIGHT BLVD, #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $38K | $0 | $38K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 14300 N. NORTHSIGHT BLVD, #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $4K | $0 | $4K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD #100 SCOTTSDALE, AZ 85254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.06% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $829 | $2K | 3.96% |
| MARIA VERONICA JARQUE3 | 542 HOSMER ST EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $437 | $2K | 2.61% |
| DENA KOLLOWAY OROPEZA3 | 5305 N GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5 | $1K | 2.24% |
| BRIAN DOUGLAS SCHROEDER3 | 16356 N. THOMPSON PEAK PKWY SCOTTSDALE, AZ 85260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $0 | $297 | 0.49% |
| JAMES D THRESHER3 | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $0 | $248 | 0.41% |
| SHAUNA M SORIA3 | 5630 S ASHLEY DR CHANDLER, AZ 85249 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $7 | $169 | 0.28% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $7 | $145 | 0.24% |
| MIRANDELLY HERNANDEZ3 | 16055 W SHANGRI LA RD SURPRISE, AZ 85379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.11% |
| GENWIL BENEFITS GROUP LLC3 | 2163 W VILLAGE DR PHOENIX, AZ 85023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $4 | $33 | 0.05% |
| HANS GORAN OLSSON3 | 16646 S 27TH DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GRP | 14300 N. NORTHSIGHT BLVD, #221 SCOTTSDALE, AZ 85260 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $623 | $0 | $623 | 6.00% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 217 | $653K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 214 | $62K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 167 | $10K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 199 | $60K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 199 | $60K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 199 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.