| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $60K | $42K | $102K | 17.57% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $12K | $28K | 17.17% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $6K | $0 | $6K | 4.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.08% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.75% |
| UNKNOWN3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $479 | $229 | $708 | 2.72% |
| DYE & ESKIN INC Filed as: DYE AND ESKIN INC. | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $292 | $0 | $292 | 4.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BANNER LIFE INSURANCE COMPANY | $210 | $0 | $210 | 3.39% |
| ELITE INSURANCE AGENCY INC3 Filed as: ELITE INSURANCE AGENCY | 12466 LOS INDOIS TRAIL, SUITE 100 AUSTIN, TX 78729 | BANNER LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.99% |
| INSURANCE DESIGNERS LLC3 | 1450 GREENE STREET, SUITE 95 AUGUSTA, GA 30901 | BANNER LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.11% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $656 | $0 | $656 | 19.99% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: GCG RISK MANAGEMENT CONSULTANTS LLC | 3 DEERPARK NORTH, SUITE 500 DEERFIELD, IL 60015 | FEDERAL INSURANCE COMPANY | $492 | $0 | $492 | 15.00% |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 676 | $118K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 836 | $589K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 836 | $609K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 836 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.