| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $9K | $9K | 1.15% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68K | — | $68K | 16.66% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE, STE 358 WESTMONT, IL 60559 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.26% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 18.50% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE, STE 358 WESTMONT, IL 60559 | SUN LIFE ASSURANCE COMPANY OF CANADA | $246 | — | $246 | 0.14% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 9.78% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 21.47% |
| MID AMERICAN GROUP, INC.3 Filed as: MID AMERICAN GROUP, INC | 760 PASQUINELLI DRIVE, STE 358 WESTMONT, IL 60559 | SUN LIFE ASSURANCE COMPANY OF CANADA | $270 | — | $270 | 0.33% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $65 | — | $65 | 6.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $816K |
| DISCOVERY BENEFITS EIN 90-0058554 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $14K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $5K |
| GCG FINANCIAL INC BROKER | Insurance agents and brokers Service code 22 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | $1K |
| MID AMERICA GROUP BROKER | Insurance agents and brokers Service code 22 | 760 PASQUINELLI DR, STE 358 WESTMONT, IL 60559 | $270 |
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 | 1,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,351 | $120K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,191 | $467K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,191 | $139K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,191 | $236K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 2,895 | $741K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,191 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,895 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.