| 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 | $33K | — | $33K | 2.47% |
| DS&P INSURANCE SERVICES, INC.5 Filed as: DS&P INSURANCE SERVICES | 1900 E. GOLF RD SUITE 650 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $567 | $20K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL | $3K | — | $3K | 2.07% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | DELTA DENTAL | $7 | — | $7 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $6K | — | $6K | 8.70% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | GUARDIAN | $3K | — | $3K | 4.31% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF RD #650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $239 | — | $239 | 2.48% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $237 | — | $237 | 2.46% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 255 | $1.3M |
| Dental | DELTA DENTAL | 94 | $125K |
| Vision | EYEMED VISION CARE | 162 | $10K |
| Life insurance | GUARDIAN | 121 | $68K |
| Short-term disability | GUARDIAN | 121 | $68K |
| Long-term disability | GUARDIAN | 121 | $68K |
| Other | GUARDIAN | 121 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.