| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $54K | $59K | 4.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.22% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN AND HOYT LLC | 3905 TAMPA ROAD, UNIT 2367 OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $663 | $270 | $933 | 3.19% |
| WILLIAM BEAR3 Filed as: WILLIAM B. SMITH | 837 BLUE MESA TRAIL CARY, IL 60013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $401 | $644 | 2.20% |
| ZACHARY ROSS JORDAN3 Filed as: ZACHARY R. JORDAN AND OTHER AGENTS | 7304 ATKINSON CIRCLE PLAINFIELD, IL 60586 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $53 | $181 | 0.62% |
| JAMES CALLAHAN3 | 312 MONTEREY DRIVE BOLINGBROOK, IL 60440 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $0 | $159 | 0.54% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD, SUITE 200 SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.39% |
| JANTELLE LAVONNE BONNER3 | 99 NORTH POST OAK LANE, APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.12% |
| 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 | $473 | $473 | 3.28% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $868 | $0 | $868 | 11.44% |
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 | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $14K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 126 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.