| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GROUP INSURANCE AGE | — | BLUECROSS BLUESHIELD OF ILLINOIS | $60K | — | $60K | 2.08% |
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GROUP INSURANCE AGE | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GROUP INSURANCE AGE | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| ARROW GEAR COMPANY3 | 2301 CURTISS STREET DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $14K | $72K | 24.25% |
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INSURANCE AGEN | 1250 STATE ROUTE 28 SUITE 102 BRANCHBURG, NJ 08876 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.18% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 349 | $2.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $414K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $298K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $298K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $298K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $298K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.