| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $172K | $4K | $177K | 3.51% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $19K | $49K | 8.33% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 6.66% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | EYEMED | $2K | — | $2K | 4.62% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $715 | $6K | 18.31% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | FIRST UNUM LIFE INSURANCE COMPANY | $35 | $4 | $39 | 1.09% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 951 | $5.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 462 | $590K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $625K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $336K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $303K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 609 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.