| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3000 LAKESIDE DR. #200 SOUTH BANNOCKBURN, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $69K | $5K | $74K | 1.21% |
| WISS, JANNEY, ELSTNER ASSOCIATES, I0 Filed as: WISS, JANNEY, ELSTNER ASSOC., INC. | 330 PFINGSTEN ROAD NORTHBROOK, IL 600622003 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $46 | $46 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE SUITE 300 DEERFIELD, IL 600132567 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $30 | $30 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 18.53% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IN 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 18.89% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $5K | $32K | 22.53% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $2K | — | $2K | 3.36% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DRIVE SUITE 102 FITCHBURG, WI 53719 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 36.06% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 33.23% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, ID 60015 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.66% |
| JERRY MANNING3 | 1034 N ASHLAND AVE SUITE 102 CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.44% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IN 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $537 | $3K | 20.30% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 1.76% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $37 | $37 | 0.25% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH SUTIE 500 DEERFIELD, IL 60015 | CHUBB INSURANCE GROUP FEDERAL INSURANCE COMPANY | $923 | — | $923 | 15.01% |
| LEVITZ, DAVID3 Filed as: LEVITZ, ALAN, J | 30000 LAKESIDE DRIVE SUITE 200 S BANNOCKBURN, IL 60015 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $59 | — | $59 | 20.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $11 | $11 | 3.73% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,333 | $6.1M |
| Dental | DELTA DENTAL | 537 | $25K |
| Vision | VISION SERVICE PLAN | 545 | $60K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $400K |
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $344K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,333 | $6.1M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.