| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEEFFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $36K | $2K | $39K | 4.15% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 12.01% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.07% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.54% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.79% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73 | $73 | 0.20% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $349 | $1K | 13.09% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $282 | $1K | 12.51% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $725 | — | $725 | 9.89% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 146 | $936K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $83K |
| Vision | EYEMED VISION CARE | 106 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $11K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.