| 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 | $88K | $8K | $96K | 9.50% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $82K | — | $82K | 15.58% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $132 | $132 | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IN 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $4K | $27K | 17.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $3K | — | $3K | 2.37% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $435 | $3K | 16.60% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 220 N GREEN ST CHICAGO, IL 60607 | TRANSAMERICA LIFE INSURANCE COMPANY | $677 | — | $677 | 4.32% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, ID 60015 | TRANSAMERICA LIFE INSURANCE COMPANY | $441 | — | $441 | 2.81% |
| JERRY MANNING3 | 220 N GREEN ST CHICAGO, IL 60607 | TRANSAMERICA LIFE INSURANCE COMPANY | $137 | — | $137 | 0.87% |
| LTCI PARTNERS LLC3 | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | TRANSAMERICA LIFE INSURANCE COMPANY | $75 | — | $75 | 0.48% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $12 | $191 | 15.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 160 GUTHRIE LANE, STE 22 BRENTWOOD, CA 94513 | CHUBB FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $21K |
| RXBENEFITS, INC. EIN 63-1157085 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $10K |
| COMPSYCH | Contract Administrator Service code 13 | — | $6K |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,660 | $1.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 669 | $35K |
| Vision | VISION SERVICE PLAN | 617 | $123K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $525K |
| Long-term disability(4 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $697K |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,660 | — |
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.