| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $371 | $2K | 8.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IA 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $424 | $424 | 1.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE RD. STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $896 | $321 | $1K | 13.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD, STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $448 | $448 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR, STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $276 | $276 | 3.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $653 | $232 | $885 | 13.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IA 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $327 | $327 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $199 | $199 | 3.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $187 | $749 | 12.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $291 | $291 | 4.99% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $160 | $160 | 2.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $323 | $117 | $440 | 13.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $162 | $162 | 5.01% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $101 | $101 | 3.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UPMC BENEFIT MANAGEMENT SERVICES EIN 25-1844144 ADMIN | Claims processing Service code 12 | — | $35K |
| COURY HEALTH SERVICES, LLC EIN 25-1692664 BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| SOUTHERN SCRIPTS EIN 47-4999303 ADMIN | Claims processing Service code 12 | — | $4K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $23K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $7K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 85 | $192K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.