| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE DEERFIELD, IL 600152567 | BLUECROSS BLUESHILED OF ILLINOIS | $76K | $12 | $76K | 1.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | BLUECROSS BLUESHILED OF ILLINOIS | $55K | $9 | $55K | 1.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | BLUECROSS BLUESHILED OF ILLINOIS | $0 | $4K | $4K | 0.09% |
| AVALIGN TECHNONOGIES, INC.5 | 272 E. DEARPATH ROAD #208 LAKE FOREST, IL 600451935 | BLUECROSS BLUESHILED OF ILLINOIS | $0 | $33 | $33 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $9K | 3.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $12K | 6.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $761 | $2K | 1.24% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 11.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 5.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $816 | — | $816 | 1.79% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $15 | $2K | 5.10% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHILED OF ILLINOIS | 912 | $4.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 732 | $251K |
| Vision | VISION SERVICE PLAN | 317 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $265K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $181K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.