| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IN 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $1K | $15K | 2.84% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $920 | $11K | 2.95% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 13.34% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82 | — | $82 | 0.14% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.10% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $728 | $4K | 11.58% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | EYEMED | $1K | — | $1K | 10.63% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLANCE SOLUTIONS | 700 W HILLSBORO BLVD BLDG 2-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 35.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 24.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $248 | $248 | 3.41% |
| WAITRON DBA MERIDIO3 | 826 CRICKET AVE 9TH FLOOR ARDMORE, PA 19003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $142 | — | $142 | 1.95% |
| H E INSURANCE INC3 | 7 HANOVER SQ NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.19% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLANCE SOLUTIONS | 700 W HILLSBORO BLVD BLDG 2-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 35.99% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 23.99% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLANCE SOLUTIONS | 700 W HILLSBORO BLVD BLDG 2-102 DEERFIELD BEACH, FL 33441 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 33.01% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | TRUSTMARK INSURANCE COMPANY | $817 | — | $817 | 22.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $911K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $58K |
| Vision | EYEMED | 111 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $39K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $39K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.