| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGG FINANCIAL INC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.74% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD STE 357 GLENVIEW, IL 600251774 | RELIASTAR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.06% |
| GCG FINANCIAL LLC3 Filed as: BENICO LTD C/O ALERA GROUP | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $15 | $0 | $15 | 0.03% |
| GNASTER & GNASTER INC3 Filed as: GNASTER &GNASTER INC | 5600 BRENTWOOD DR HOFFMAN ESTATES, IL 601924642 | VISION SERVICE PLAN | $12 | $0 | $12 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600156001 | DELTA DENTAL OF ILLINOIS | $7K | $0 | $7K | 22.95% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 677 | $447K |
| Dental | DELTA DENTAL OF ILLINOIS | 298 | $31K |
| Vision | VISION SERVICE PLAN | 258 | $46K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 677 | $447K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 677 | $447K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 677 | $447K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 677 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.