| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $70K | $73K | 4.75% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN INS, A MARSH & MCLENNAN | 3625 N ELM ST STE 200 GREENSBORO, NC 274552604 | UNITEDHEALTHCARE INSURANCE COMPANY | $665 | $0 | $665 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 7.43% |
| SENN DUNN INSURANCE3 | PO BOX 419814 BOSTON, MA 022419841 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.57% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.5M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $125K |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $125K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $125K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.5M |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.