| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3000 LAKESHORE DRIVE SUITE 200 SOUTH BANNOCKBURN, IL 60015 | PRUDENTIAL | $404K | — | $404K | 11.03% |
| DG3 NORTH AMERICA INC5 | 100 BURMA ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL | — | $6K | $6K | 0.18% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE CHICAGO, IL 60603 | PRUDENTIAL | — | $5K | $5K | 0.13% |
| UNITED ENVELOPE LLC5 Filed as: UNITED ENVELOPE, LLC | PO BOX 951431 CLEVELAND, OH 44193 | PRUDENTIAL | — | $2K | $2K | 0.05% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | HYATT LEGAL PLANS | $13K | — | $13K | 10.10% |
| GBA OF CALIFORNIA/IEBS INC.3 Filed as: GBA OF CALIFORNIA / IEBS INC | 400 OYSTER POINT BLVD SUITE 110 SOUTH SAN FRANCISCO, CA 94080 | AXIS INSURANCES COMPANY | — | $6K | $6K | 15.00% |
| IEBS, INC. Filed as: IEBS INC | 600 N KING STREET WILMINGTON, DE 19801 | DELAWARE AMERICAN LIFE INSURANCE | $7K | — | $7K | 21.62% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPAINES INC | 1351 WM. HOWARD TAFT BLVD MAIL DROP OH0401-B265 CINCINNATI, OH 45206 | ANTHEM INSURANCE COMPANIES, INC. | $5.4M | $666K | $6.1M | — |
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 | 10,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA INC | 245 | $1.1M |
| Dental | DELTA DENTAL | 7,920 | $0 |
| Vision | VISION SERVICE PLAN | 8,746 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 21,192 | $6.6M |
| Short-term disability | PRUDENTIAL | 21,192 | $2.9M |
| Long-term disability(2 contracts) | PRUDENTIAL | 21,192 | $6.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN CALIFORNIA INC | 245 | $1.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL | 1,825 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,192 | — |
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.