| 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 | $25K | $0 | $25K | 14.88% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IA 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $87 | $87 | 0.05% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY N SUITE 500 DEERFIELD, IL 600152567 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $3K | — | $3K | 9.95% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $305 | $4K | 15.60% |
| FRIEDMAN, ROBERT, PAUL3 | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$32 | -$32 | -0.12% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.01% |
| GBA OF CALIFORNIA/IEBS INC.3 | 160 GUTHRIE LANE SUITE 22 BRENTWOOD, CA 94513 | AXIS INSURANCE COMPANY | $852 | — | $852 | 20.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $36 | $513 | 18.43% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 2.00% |
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 | 255 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 656 | $33K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $173K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $2K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $171K |
| Other(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.