| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $67K | $3K | $70K | 4.05% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 9.22% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $13K | — | $13K | 14.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | GUARDIAN | — | $4K | $4K | 4.63% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $25 | — | $25 | 0.20% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 167 N. GREEN STREET CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $57 | — | $57 | 0.95% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $44 | — | $44 | 0.74% |
| DS&P INS SERVICES INC.3 | 1900 E GOLF RD SCHAUMBURG, IL 60173 | LIFESECURE INSURANCE COMPANY | $41 | — | $41 | 0.69% |
| JERRY MANNING3 | 220 N GREEN ST CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $31 | — | $31 | 0.52% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD. SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $30 | — | $30 | 0.50% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 280 | $1.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 110 | $99K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 206 | $12K |
| Life insurance | GUARDIAN | 131 | $90K |
| Short-term disability | GUARDIAN | 131 | $90K |
| Long-term disability | GUARDIAN | 131 | $90K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 131 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.