| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENICO LTD3 Filed as: BENICO, LTD | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.19% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.38% |
| BENICO LTD3 Filed as: BENICO, LTD | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.15% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.34% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD STE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 12.58% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 4.74% |
| BENICO LTD3 | PO BOX 8 11715 MAIN ST HUNTLEY, IL 60142 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | $665 | — | $665 | 0.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.40% |
| BENICO LTD3 Filed as: BENICO, LTD | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $693 | — | $693 | 4.03% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $589 | — | $589 | 3.43% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $490 | — | $490 | 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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $30K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $97K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 321 | $772K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
No prospect flags tripped on this filing.