| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.08% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | $0 | $51K | 20.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | $0 | $43K | 20.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | $0 | $37K | 20.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.43% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | METLIFE LEGAL PLANS | $9K | $60 | $9K | 10.48% |
| GCG FINANCIAL LLC3 | 3000 LAKESIDE DRIVE SUITE 200 SOUTH BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $0 | $922 | $922 | 1.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | MCS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $0 | $814 | $814 | 2.08% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $0 | $176 | $176 | 2.43% |
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 | 8,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 23 | $214K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 8,597 | $2.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 8,597 | $2.4M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 8,366 | $1.1M |
| Short-term disability(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,904 | $1.7M |
| Long-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,904 | $647K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,342 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,904 | — |
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."
No prospect flags tripped on this filing.