| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHILED OF ILLINOIS | $16K | $2K | $18K | 2.49% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | BLUECROSS BLUESHILED OF ILLINOIS | $16K | — | $16K | 2.30% |
| IEBS, INC.3 Filed as: IEBS | 160 GUTHRIE LANE SUITE 22 BRENTWOOD, CA 94513 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 31.31% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.06% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $772 | $84 | $856 | 7.69% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $841 | $36 | $877 | 14.11% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $339 | — | $339 | 5.46% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | — | $523 | 9.76% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281 | — | $281 | 5.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $75 | $75 | 1.40% |
| STUMM INSURANCE LLC3 | 6601 NORTH AVONDALE AVENUE SUITE 201 CHICAGO, IL 60631 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337 | — | $337 | 7.55% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $259 | — | $259 | 5.80% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69 | $69 | 1.55% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHILED OF ILLINOIS | 141 | $729K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHILED OF ILLINOIS | 141 | $729K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $11K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.