| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.45% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $2K | $23K | 16.45% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.21% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $526 | — | $526 | 0.38% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.64% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.41% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.97% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $917 | $917 | 1.26% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.38% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $866 | $866 | 1.27% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BLVD, SUITE 500 DEERFIELD, IL 600152567 | VISION SERVICE PLAN | $2K | — | $2K | 3.12% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $801 | $9K | 16.52% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $667 | $667 | 1.27% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $410 | — | $410 | 0.78% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $690 | $11K | 21.37% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $575 | $575 | 1.14% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $804 | $8K | 16.65% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $670 | $670 | 1.37% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 0.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $929 | $197 | $1K | 9.69% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $164 | $164 | 1.41% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $612 | — | $612 | 11.00% |
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 | 1,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $77K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,790 | $351K |
| Vision | VISION SERVICE PLAN | 740 | $63K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,166 | $223K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $122K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $119K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,155 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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.