| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $98K | $2K | $100K | 5.13% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 4.22% |
| TGG SOLUTIONS3 | 588 3 MILE RD NW SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.89% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 6.93% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.20% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.82% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $1K | — | $1K | 3.93% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $2K | — | $2K | 7.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 0.11% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | — | $221 | 2.39% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | — | $393 | 14.26% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | — | $42 | 2.41% |
| GCG FINANCIAL LLC0 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | CIGNA DENTAL HEALTH OF OHIO, INC. | $26 | — | $26 | 6.91% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $13 | — | $13 | 6.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WORKPLACE SOLUTIONS, LLC EIN 36-4095007 CONSULTING (GENERAL) | Consulting (general) Service code 16 | — | $15K |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 314 | $2.2M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 355 | $175K |
| Vision | VISION SERVICE PLAN | 231 | $35K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $35K |
| Other(5 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 491 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.