| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $554K | $0 | $554K | 8.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, KS 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $554K | $0 | $554K | 8.42% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $161K | $0 | $161K | 3.38% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID L LEVITZ | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $77K | $0 | $77K | 1.62% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 1.15% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 3.36% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID L LEVITZ | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| GCG FINANCIAL LLC3 | 3000 LAKESIDE DR SUITE 200 BANNOCKBURN, IL 60015 | METROPOLITAN PROPERTY AND CAUSALITY INSURANCE, CO. | $23K | $959 | $24K | 9.66% |
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 | 14,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 15,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,416 | $7.8M |
| Dental(3 contracts, 2 carriers) | VISION SERVICE PLAN | 12,508 | $1.7M |
| Life insurance(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 28,695 | $14.4M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 16,200 | $2.6M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 16,200 | $2.6M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 19,416 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,695 | — |
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."
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.