| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | COMMUNITY INSURANCE COMPANY | $40K | $0 | $40K | 3.00% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK AGENCY INC. | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | COMMUNITY INSURANCE COMPANY | $0 | $3K | $3K | 0.21% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 11.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | — | $451 | $451 | 0.48% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $7K | $1K | $9K | 17.37% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $511 | $511 | 1.01% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $7K | $1K | $8K | 17.27% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $439 | $439 | 0.98% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $5K | $861 | $6K | 17.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $344 | $344 | 0.95% |
| MICHAEL T HARWOOD3 Filed as: MICHAEL HARWOOD | PO BOX 1 APPLE CREEK, OH 44606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.33% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.51% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $334 | $0 | $334 | 1.97% |
| MARK L HUFHAND3 | 925 S MAIN ST NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | $0 | $216 | 1.28% |
| DAVID MICHAEL FINLEY3 | 907 EAST FRONT ST DOVER, OH 44622 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 0.96% |
| LEONARD INSURANCE SERVICES AGENCY3 | 4244 MOUNT PLEASANT NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | $0 | $161 | 0.95% |
| MICHAEL W BERUBE3 Filed as: MICHAEL BERUBE | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | $0 | $84 | 0.50% |
| CATHY S STEINMETZ3 | 4674 RIVERDALE RD BOLIVAR, OH 44612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.24% |
| MICHAEL C HURLEY3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $759 | $0 | $759 | 5.72% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 8.03% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 240 | $1.3M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 240 | $1.4M |
| Vision | VISION SERVICE PLAN | 128 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 172 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 118 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $36K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 172 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.