| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 2.00% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE MONTGOMERY, AL 36116 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.02% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| LEN SKIPPER3 | 4525 EXECUTIVE PARK DRIVE MONTGOMERY, AL 36116 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.44% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 8.19% |
| PALMOAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE MONTGOMERY, AL 36116 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $1K | — | $1K | 7.19% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INSURANCE | 700 MAPLE STREET SUITE B BIRMINGHAM, AL 35210 | EYEMED VISION CARE | $493 | — | $493 | 2.51% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE SUITE 202 MONTGOMERY, AL 36116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.53% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH #500 DEERFIELD, IL 60015 | HEALTHIEST YOU | $802 | — | $802 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SUN LIFE AND HEALTH INSURANCE COMPANY | $231 | — | $231 | 7.82% |
| PALOMAR INSURANCE CORPORATION3 | 4525 EXECUTIVE PARK DRIVE MONTGOMERY, AL 36116 | SUN LIFE AND HEALTH INSURANCE COMPANY | $64 | — | $64 | 2.17% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $94K |
| Vision | EYEMED VISION CARE | 346 | $20K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 162 | $83K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 162 | $83K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 162 | $83K |
| Other(4 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 162 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.