| 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 | BLUE CROSS BLUE SHIELD OF ARIZONA | $64K | — | $64K | 5.94% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS LLC | 22239 S 118TH STREET CHANDLER, AZ 85249 | BLUE CROSS BLUE SHIELD OF ARIZONA | $201 | — | $201 | 0.02% |
| ARIZONA BENEFIT PLANS INC3 Filed as: ARIZONA BENEFIT PLANS INC. | 1850 N CENTRAL AVE, SUITE 200 PHOENIX, AZ 85004 | BLUE CROSS BLUE SHIELD OF ARIZONA | $40 | — | $40 | 0.00% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | $1K | $30K | 4.32% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 7.99% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.99% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | ATTN DAVID SMITH PHOENIX, AZ 85034 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $121 | $121 | 0.20% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $4K | — | $4K | 7.63% |
| INSURANCE BENEFIT ADVISORS3 | 22239 S 118TH STREET CHANDLER, AZ 85249 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $358 | — | $358 | 0.63% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $714 | $3K | 7.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152240004 | PRINCIPAL LIFE INSURANCE COMPANY | — | $571 | $571 | 1.18% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $400 | — | $400 | 6.45% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $69 | — | $69 | 1.11% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $58 | — | $58 | 0.94% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $53 | — | $53 | 0.85% |
| GTS INC3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $32 | — | $32 | 0.52% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $27 | — | $27 | 0.44% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $25 | — | $25 | 0.40% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $17 | — | $17 | 0.27% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $13 | — | $13 | 0.21% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $12 | — | $12 | 0.19% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $9 | — | $9 | 0.15% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.03% |
| STEPHEN KELLS3 | 1026 BALDWIN LN OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.02% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $319 | — | $319 | 10.51% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 4.48% |
| 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 | 201 S MAPLE AVE APT 104 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% |
| BRADLEY L ELLIS3 | 6807 GRAINERY RD TIMNATH, CO 80547 | AFLAC | $48 | — | $48 | 2.76% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $25 | — | $25 | 1.44% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $18 | — | $18 | 1.04% |
| DENISE J LONGTIN3 | 1975 E COURT ST APT 110A KANKAKEE, IL 60901 | AFLAC | $11 | — | $11 | 0.63% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $10 | — | $10 | 0.58% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $5 | — | $5 | 0.29% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.06% |
| RAWLYN R ROSS3 | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $1 | — | $1 | 0.06% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $60 | — | $60 | 6.68% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $32 | — | $32 | 3.56% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $16 | — | $16 | 1.78% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $9 | — | $9 | 1.00% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.22% |
| 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 ST 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 | 246 | 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) | 246 | 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 | 195 | $1.8M |
| Dental(2 contracts, 2 carriers) | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 127 | $105K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 73 | $86K |
| Short-term disability(6 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 37 | $72K |
| Long-term disability(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 73 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 195 | $1.1M |
| Other(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 73 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.