| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $59K | — | $59K | 4.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.17% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $4K | — | $4K | 14.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | GUARDIAN | — | $1K | $1K | 3.72% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $3K | — | $3K | 15.04% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 197 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 197 | $1.4M |
| Vision | VISION SERVICE PLAN | 112 | $20K |
| Life insurance | GUARDIAN | 120 | $30K |
| Short-term disability | GUARDIAN | 120 | $30K |
| Long-term disability | GUARDIAN | 120 | $30K |
| Other | GUARDIAN | 120 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.