| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | $0 | $91K | 10.63% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.77% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.02% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $769 | $769 | 0.39% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $10K | $0 | $10K | 5.28% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.08% |
| GREGORY A MCROBERTS3 | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $277 | $5K | $5K | 10.62% |
| 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 | 7.96% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | UNKNOWN HOUSTIN, TX 77043 | BANNER LIFE INSURANCE COMPANY | $839 | $0 | $839 | 16.21% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | BANNER LIFE INSURANCE COMPANY | $641 | $0 | $641 | 12.38% |
| LARRY GORDAN AGENCY3 | UNKNOWN HOUSTON, TX 77043 | BANNER LIFE INSURANCE COMPANY | $436 | $0 | $436 | 8.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BANNER LIFE INSURANCE COMPANY | $69 | $0 | $69 | 1.33% |
| ELITE INSURANCE AGENCY INC3 Filed as: ELITE INSURANCE AGENCY | 12466 LOS INDIOS TRAIL, SUITE 100 AUSTIN, TX 78729 | BANNER LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.54% |
| TONY PROCACCINI3 | 67328 ZUNI COURT CATHEDRAL CITY, CA 92234 | ZURICH AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 20.00% |
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 | 1,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,158 | $187K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,562 | $857K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,562 | $897K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,562 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,562 | — |
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.