| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GRP, | AN ALERA GRP AGENCY LLC SUITE 100 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $134K | $25K | $159K | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 9TH FLOOR 3800 N CENTRAL AVE PHOENIX, AZ 85012 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $6K | — | $6K | 0.08% |
| PENTRA LLC3 | 795 E LANCASTER AVE VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $10K | $18K | 9.96% |
| PENTRA LLC3 | 795 E LANCASTER AVE VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $8K | $13K | 8.47% |
| PENTRA LLC3 | 795 E LANCASTER AVE VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 9.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, | AN ALERA GROUP AGENCY 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 85254 | EQUITABLE FINANICAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVE PHOENIX, AZ 85021 | EQUITABLE FINANICAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.29% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP A | SUITE 210 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $22K | $848 | $23K | 43.48% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $6K | $234 | $6K | 11.72% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP A | SUITE 210 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $22K | $844 | $23K | 43.89% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $6K | $226 | $6K | 11.82% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 11.81% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP A | SUITE 210 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $12K | $457 | $12K | 43.92% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $3K | $120 | $3K | 11.81% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 1,141 | $7.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 1,141 | $7.7M |
| Vision | EQUITABLE FINANICAL LIFE INSURANCE COMPANY OF AMERICA | 564 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,074 | $176K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 831 | $158K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 1,141 | $7.7M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,074 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.