| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $6K | $33K | 12.43% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.08% |
| GCG FINANCIAL LLC3 Filed as: THE ALERA GROUP | UNKNOWN WICHITA, KS 67209 | SURENCY LIFE AND HEALTH | $6K | $0 | $6K | 7.34% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 18.84% |
| VANESSA L TORRES3 Filed as: VANESSA L. TORRES | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 17.07% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG, SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | $0 | $495 | 2.05% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP & OTHER AGENTS | 30 WEST RUSSELL ROAD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.58% |
| CALEB GILMOUR3 | 515 SOUTH MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | $0 | $102 | 0.42% |
| KATHY A WIEDEMANN3 Filed as: KATHY A. WIEDEMANN | 229 EAST WILLIAM, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.40% |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 487 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 820 | $267K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 820 | $267K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 820 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.