| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60516 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 14.43% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.95% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.90% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 16.32% |
| GBA OF CALIFORNIA/IEBS INC.3 | 400 OYSTER POINT BLVD., STE 110 SOUTH SAN FRANCISCO, CA 94080 | AXIS INSURANCE COMPANY | $897 | — | $897 | 20.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, ID 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 2.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, ID 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 3.99% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AXIS INSURANCE COMPANY | 297 | $8K |
| Dental | DELTA DENTAL OF ILLINOIS | 294 | $16K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 534 | $25K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $206K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $201K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 341 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.