| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $145K | — | $145K | 18.64% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $40K | $131K | 19.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $26K | $88K | 22.61% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 8.20% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32 | — | $32 | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 300 EAST RANDOLPH STREET CHICAGO, IL 606015099 | $1.2M |
| PFS INFORMATION-PAYFLEX SYSTEMS EIN 91-1774434 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 10802 FARNAM DRIVE OMAHA, NE 68154 | $44K |
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 | 2,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 4,466 | $781K |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 4,466 | $781K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,528 | $247K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,374 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,374 | $657K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 4,466 | $781K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,374 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,466 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.