| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $245K | $0 | $245K | 3.33% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889K | $0 | $889K | 15.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $889K | $0 | $889K | 15.98% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $65K | $0 | $65K | 2.50% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 5.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN PROPERTY AND CASUALTY INS CO | $23K | $242 | $23K | 11.01% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 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 | 18,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 20,423 | $6.9M |
| Vision | VISION SERVICE PLAN | 12,171 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 28,732 | $13.6M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,435 | $2.6M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,435 | $2.6M |
| Other(6 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 28,732 | $16.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,732 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.