| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 57448 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $94K | $109K | 6.40% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 2.41% |
| TGG SOLUTIONS3 | 588 3 MILE RD NW SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.81% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.05% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.94% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 18.35% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.51% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | $489 | $1K | 13.21% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $410 | $410 | 5.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WORKPLACE SOLUTIONS, LLC EIN 36-4095007 CONSULTING (GENERAL) | Consulting (general) Service code 16 | — | $14K |
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 | 409 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $1.7M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 409 | $46K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $26K |
| Other(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 409 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.