| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SECURIAN LIFE INSURANCE COMPANY | $277K | $203K | $481K | 5.93% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950K | $0 | $950K | 13.54% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950K | $0 | $950K | 13.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $110K | $0 | $110K | 3.84% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 0.43% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN GENERAL INSURANCE COMPANY | $21K | $249 | $22K | 6.94% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3000 LAKESIDE DRIVE, SUITE 200 S BANNOCKBURN, IL 60015 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $3K | $3K | 0.89% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 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 | 17,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 139 | $1.0M |
| Vision | VISION SERVICE PLAN | 11,832 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 39,137 | $15.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,504 | $2.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,504 | $2.9M |
| Other(6 contracts, 6 carriers) | SECURIAN LIFE INSURANCE COMPANY | 39,137 | $15.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,137 | — |
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.
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.