| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $7K | $2K | $9K | 2.64% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.93% |
| MJ INSURANCE3 Filed as: GREG A GOULD & VARIOUS AGENTS | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $80 | $0 | $80 | 3.24% |
| SARAH E HELMAN3 Filed as: SARAH HELMAN | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | AFLAC | $56 | $0 | $56 | 2.27% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 WEST HURON STREET, SUITE 215 CHICAGO, IL 60654 | AFLAC | $34 | $0 | $34 | 1.38% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 NORTH LA SALLE DRIVE SUITE 1410 CHICAGO, IL 60654 | AFLAC | $19 | $0 | $19 | 0.77% |
| GIANNINA G GIL VERA3 | 6200 FOREST AVENUE GARY, IN 46403 | AFLAC | $18 | $0 | $18 | 0.73% |
| F R NASCA & ASSOCIATES LLC3 Filed as: F R NASCA & ASSOCIATES, LLC | 165 NORTH CANAL STREET APARTMENT 716 CHICAGO, IL 60606 | AFLAC | $13 | $0 | $13 | 0.53% |
| SHARON JOY MATHERLY3 | PO BOX 988 HOPE, AR 71802 | AFLAC | $12 | $0 | $12 | 0.49% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 622 | $360K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $46K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $46K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $46K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 622 | $360K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.