| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | $12K | $75K | 18.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 3.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $6K | — | $6K | 3.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | VISION SERVICE PLAN | $2K | — | $2K | 1.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, CA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $5K | $11K | 6.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $5K | $13K | 8.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $751 | $22K | 27.23% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICAITON LLC | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $235 | $235 | 0.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $804 | $20K | 27.33% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $251 | $251 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $706 | — | $706 | 1.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | DELTA DENTAL OF CALIFORNIA | $483 | — | $483 | 1.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $390 | $4K | 10.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN, 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $595 | — | $595 | 1.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $122 | $122 | 0.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $969 | $5K | 15.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $836 | — | $836 | 2.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $303 | $303 | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN, 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73 | $73 | 7.30% |
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 | 1,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 194 | $40K |
| Vision | VISION SERVICE PLAN | 888 | $193K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,216 | $413K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 291 | $149K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 327 | $168K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,352 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,352 | — |
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.