| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | SUITE 500 THREE PARKWAY NORTH DEERFIELD, IL 600152567 | BLUE CROSS BLUE SHIELD OF ARIZONA | $68K | — | $68K | 5.74% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS LLC | 22239 S 118TH STREET CHANDLER, AZ 85249 | BLUE CROSS BLUE SHIELD OF ARIZONA | -$295 | — | -$295 | -0.02% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $29K | $2K | $30K | 4.35% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.75% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | — | $791 | $791 | 1.55% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.49% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $520 | $520 | 3.24% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE 3A BAY SAINT LOUIS, MS 39520 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 48.79% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.91% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $296 | — | $296 | 6.48% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $49 | — | $49 | 1.07% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $42 | — | $42 | 0.92% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $38 | — | $38 | 0.83% |
| GTS INC3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $25 | — | $25 | 0.55% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $22 | — | $22 | 0.48% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $18 | — | $18 | 0.39% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $13 | — | $13 | 0.28% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $10 | — | $10 | 0.22% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $10 | — | $10 | 0.22% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 798 EAGLE DRIVE AURORA, IL 60506 | AFLAC | $6 | — | $6 | 0.13% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.02% |
| STEPHEN KELLS3 | 1026 BLADWIN LN OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.02% |
| ANTHONY TRISTANO3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $118 | — | $118 | 5.04% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $56 | — | $56 | 2.39% |
| DANIEL E ELLIS3 | 313 N KENILWORTH AVE OAK PARK, IL 60302 | AFLAC | $19 | — | $19 | 0.81% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $12 | — | $12 | 0.51% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $10 | — | $10 | 0.43% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $8 | — | $8 | 0.34% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $4 | — | $4 | 0.17% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.04% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.04% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 10.51% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 4.52% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $48 | — | $48 | 3.99% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $18 | — | $18 | 1.50% |
| RAWLYN R ROSS3 | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $1 | — | $1 | 0.08% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $24 | — | $24 | 6.19% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $10 | — | $10 | 2.58% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $6 | — | $6 | 1.55% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $2 | — | $2 | 0.52% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.26% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 216 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 216 | $1.2M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 205 | $16K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 205 | $88K |
| Short-term disability(7 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $80K |
| Long-term disability(7 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 216 | $1.2M |
| Other(7 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.