| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER INC. | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | — | $33K | 0.90% |
| GCG FINANCIAL LLC3 Filed as: GCG (GREATER CHICAGO GROUP) | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $16K | $2K | $18K | 0.48% |
| BENICO LTD3 | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | BLUECROSS BLUESHIELD OF ILLINOIS | $17K | — | $17K | 0.46% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD STE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 2.47% |
| GNASTER & GNASTER INC3 | 5800 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $2K | $7K | 1.92% |
| BENICO LTD3 | 11715 MAIN ST HUNTLEY, IL 60142 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 0.66% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER, INC. | 5600 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | VISION SERVICE PLAN | $947 | — | $947 | 2.12% |
| GCG FINANCIAL LLC3 Filed as: BENICO LTD C/O ALERA GROUP | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $763 | — | $763 | 1.71% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $456 | — | $456 | 1.02% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER INC. | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 15.09% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 10.80% |
| BENICO LTD3 | 1175 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 5.51% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 610 | $3.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 279 | $33K |
| Vision | VISION SERVICE PLAN | 252 | $45K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 339 | $361K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 339 | $361K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 339 | $361K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 339 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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."
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.