| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | ANTHEM INSURANCE COMPANIES, INC. | $29K | $0 | $29K | 20.42% |
| HEFFERNAN INSURANCE BROKERS3 | 44 MONTGOMERY STREET, SUITE 1950 SAN FRANCISCO, CA 94104 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $0 | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $0 | $0 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $0 | $0 | 0.00% |
| QUANTUM INSURANCE SERVICES INC.3 Filed as: QUANTUM INSURANCE SERVICES, INC | 145 SOUTH FAIRFAX AVENUE, SUITE 200 LOS ANGELES, CA 90036 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $0 | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $8K | $23K | 19.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH, SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.53% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 107 | $142K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 107 | $142K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.