| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $47K | $53K | 4.57% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.81% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $790 | $380 | $1K | 2.77% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $642 | $60 | $702 | 1.66% |
| ZACHARY ROSS JORDAN3 | 7304 ATKINSON CIRCLE PLAINFIELD, IL 60586 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $556 | $684 | 1.62% |
| MJ INSURANCE3 Filed as: JANTELLE BONNER & VARIOUS AGENTS | 99 NORTH POST OAK LANE SUITE 5302 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $253 | $584 | 1.38% |
| WILLIAM SHAW3 | 1700 WEST HIGGINS, SUITE 210 DES PLAINES, IL 60018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $0 | $548 | 1.30% |
| DAVID TODD WEINSTEIN3 | 7862 WEST IRLO BRONSON MEM HWY KISSIMMEE, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.13% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN LIBERTYVILLE, IL 60048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $480 | $480 | 3.55% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $642 | $0 | $642 | 7.78% |
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 | 155 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $14K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 109 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.