| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD RD STE 200 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $141K | $3K | $144K | 3.03% |
| GCG FINANCIAL LLC3 | 777 OAKMONT LANE 1400 WESTMONT, IL 60559 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $19K | $50K | 16.48% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $271 | — | $271 | 0.09% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 1901 BUTTERFIELD RD. STE 200 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 19.83% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD RD. STE 200 DOWNERS GROVE, IL 60515 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 8.68% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 777 OAKMONT LANE 1400 WESTMONT, IL 60559 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $995 | — | $995 | 15.00% |
| AXIS BENEFITS CONSULTANTS, INC.3 Filed as: AXIS BENEFIT CONSULTANTS INC | 1901 BUTTERFIELD RD. STE 200 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 9.95% |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 711 | $4.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 274 | $18K |
| Vision | VSP/VISION SERVICE PLAN | 267 | $0 |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.