| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $84K | $17K | $100K | 1.34% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $86K | — | $86K | 16.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $134 | $134 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IN 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $6K | $25K | 19.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $3K | — | $3K | 2.42% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LONG TERM CARE SOLUTIONS | $3K | — | $3K | 17.41% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $880 | $3K | 19.21% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 220 N GREEN ST CHICAGO, IL 60607 | TRANSAMERICA LIFE INSURANCE COMPANY | $547 | — | $547 | 4.42% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, ID 60015 | TRANSAMERICA LIFE INSURANCE COMPANY | $352 | — | $352 | 2.85% |
| JERRY MANNING3 | 220 N GREEN ST CHICAGO, IL 60607 | TRANSAMERICA LIFE INSURANCE COMPANY | $93 | — | $93 | 0.75% |
| LTCI PARTNERS LLC3 | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.47% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $10 | $134 | 12.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $19K |
| RXBENEFITS, INC. EIN 63-1157085 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $14K |
| COMPSYCH EIN 35-3739783 PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | — | $5K |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,599 | $7.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 649 | $33K |
| Vision | VISION SERVICE PLAN | 599 | $117K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 973 | $505K |
| Long-term disability(4 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 973 | $647K |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 973 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.