| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 2.50% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 3.27% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 12.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.30% |
| H E INSURANCE INC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120 | $0 | $120 | 0.13% |
| THE HUNKEN AGENCY, INC.3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 0.07% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 11.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | EYEMED | $1K | $0 | $1K | 9.98% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 50 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $91K |
| Vision | EYEMED | 123 | $11K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $146K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $54K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.