| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 14.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IA 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $194 | $194 | 0.07% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $3K | — | $3K | 9.83% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 39.41% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $684 | $684 | 2.33% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 16.53% |
| GBA OF CALIFORNIA/IEBS INC.3 | 160 GUTHRIE LANE SUITE 22 BRENTWOOD, CA 94513 | AXIS INSURANCE COMPANY | $852 | — | $852 | 20.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 1.99% |
| MESIROW INSURANCE SERVICES INC3 | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 4.01% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $3K |
| Dental | DELTA DENTAL OF ILLINOIS | 303 | $18K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 527 | $32K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 444 | $274K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $3K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 444 | $271K |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 444 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.