| 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 | $71K | $5K | $76K | 1.13% |
| GCG FINANCIAL LLC0 Filed as: GCG FINANCIAL INC | 330 PFINGSTEIN ROAD DEERFIELD, IL 600152367 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $46 | $46 | 0.00% |
| WISS, JANNEY, ELSTNER ASSOCIATES, I3 | THREE PARKWAY NORTH, SUITE 500 NORTHBROOK, IL 600622003 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $18 | $18 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | SUITE 200 SOUTH 3000 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 7.50% |
| COMPSYCH5 | 455 N CITYFRONT PLAZA DR CHICAGO, IL 60611 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.45% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IN 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $4K | $29K | 19.76% |
| INTERFLEX5 | 2588 HIGHLANDER WAY #200 CARROLLTON, TX 75006 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $19K | $19K | 24.89% |
| JERRY MANNING3 | 1034 N ASHLAND AVE SUITE 102 CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $892 | — | $892 | 1.20% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, ID 60015 | TRANSAMERICA LIFE INSURANCE COMPANY | $626 | — | $626 | 0.84% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DRIVE SUITE 102 FITCHBURG, WI 53719 | TRANSAMERICA LIFE INSURANCE COMPANY | $89 | — | $89 | 0.12% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $2K | — | $2K | 3.27% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $517 | $3K | 20.25% |
| IBES, INC.3 | 160 GUTHRIE LANE, SUITE 22 SUTIE 500 BRENTWOOD, CA 94513 | CHUBB FEDERAL INSURANCE COMPANY | $923 | — | $923 | 15.01% |
| ALAN LEVITZ3 Filed as: ALAN J LEVITZ | 3000 LAKESIDE DR, STE 200 S BANNOCKBURN, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 9.20% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.49% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.24% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,403 | $6.8M |
| Dental | DELTA DENTAL | 563 | $26K |
| Vision | VISION SERVICE PLAN | 572 | $63K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 609 | $846K |
| Long-term disability(4 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 609 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,403 | $6.8M |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 609 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,403 | — |
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.