| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $88K | $5K | $93K | 1.31% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $59K | $0 | $59K | 4.05% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $8K | $8K | 0.51% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.00% |
| H E INSURANCE INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $343 | $0 | $343 | 0.08% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.66% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $574 | $7K | 8.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $37 | $2K | 2.24% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.02% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID LEVITZ | ALERA GROUP 3 PARKWAY NORTH DEERFIELD, IL 60015 | ELIPSLIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID LEVITZ | ALERA GROUP 3 PARKWAY NORTH DEERFIELD, IL 60015 | ELIPSLIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
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 | 871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,281 | $7.1M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 649 | $1.9M |
| Vision | VISION SERVICE PLAN | 610 | $99K |
| Life insurance | ELIPSLIFE INSURANCE COMPANY | 1,088 | $35K |
| Short-term disability | ELIPSLIFE INSURANCE COMPANY | 780 | $46K |
| Long-term disability | ELIPSLIFE INSURANCE COMPANY | 780 | $46K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 345 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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.