| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | $78 | $634 | 4.75% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $23K | $587 | $24K | 194.50% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $17K | $610 | $18K | 214.23% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | VISION SERVICE PLAN | $2K | — | $2K | 49.34% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 40 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 810 | $13K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 810 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 810 | $13K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 810 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.