| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WHIPPLE AND COMPANY, AN ALERA GROUP | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $47K | $202K | $249K | 3.51% |
| GCG FINANCIAL LLC3 Filed as: WHIPPLE AND COMPANY, AN ALERA GROUP | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $21K | $21K | 0.30% |
| GCG FINANCIAL LLC3 Filed as: WHIPPLE AND COMPANY, AN ALERA GROUP | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $108K | $47K | $155K | 21.51% |
| CLARITY ENROLLMENT SOLUTIONS LLC5 Filed as: CLARITY ENROLLMENT SOLUTIONS, LLC | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 3.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.93% |
| GCG FINANCIAL LLC5 Filed as: CLARITY, AN ALERA GRP COMPANY, LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.80% |
| GCG FINANCIAL LLC3 Filed as: WHIPPLE AND COMPANY, AN ALERA GROUP | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | PROSPERITY LIFE GROUP | $77K | $0 | $77K | 14.00% |
| GCG FINANCIAL LLC3 Filed as: WHIPPLE AND COMPANY, AN ALERA GROUP | 6100 GLADES ROAD SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 14.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 2.40% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,033 | $7.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 561 | $7.1M |
| Vision | HUMANA INSURANCE COMPANY | 450 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 576 | $721K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 576 | $721K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 576 | $721K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 576 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.