| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | $0 | $76K | 4.71% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.03% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC. | 3905 TAMPA ROAD UNIT 2367 OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $953 | $298 | $1K | 3.17% |
| WILLIAM BEAR3 Filed as: WILLIAM B. SMITH | 837 BLUE MESA TRAIL CARY, IL 60013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $521 | $3 | $524 | 1.33% |
| WENDY MARTINEZ3 | 3416 NORTH LOWELL AVENUE CHICAGO, IL 60641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.41% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD SUITE 200 SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.30% |
| JANTELLE LAVONNE BONNER3 Filed as: JANTELLE LAVONNE BONNER AND OTHERS | 99 NORTH POST OAK LANE APARTMENT 5302 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $8 | $90 | 0.23% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE COURT SUN PRAIRIE, WI 53590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $38 | $56 | 0.14% |
| 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 | $635 | $635 | 4.38% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $830 | $0 | $830 | 10.07% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $15K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 129 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
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.