| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $64K | $3K | $68K | 2.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | — | $46K | 1.59% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 2.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $50 | $2K | 0.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $497 | $497 | 0.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT STE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.10% |
| IRIE D GRANT3 | 155 N HARBOR DR STE 1704 CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.41% |
| ERIC D GRANT3 | 2912 KATHLEEN LANE FLOSSMOOR, IL 60422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.41% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | VISION SERVICE PLAN | $919 | — | $919 | 2.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 103129 PASADENA, CA 91189 | VISION SERVICE PLAN | $547 | — | $547 | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 ADMIN SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 374 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $203K |
| Vision | VISION SERVICE PLAN | 150 | $31K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $336K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $134K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.