| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $156K | $3K | $159K | 3.30% |
| GCG FINANCIAL LLC3 | 3 PKWY N STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $12K | $48K | 20.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $22K | — | $22K | 10.02% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 14.88% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC.-DEERFIELD, IL | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $3K | — | $3K | 11.01% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $509 | — | $509 | 3.38% |
| ANNA MARINEZ3 | 303 W. ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $435 | — | $435 | 2.89% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 1.46% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.91% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.56% |
| DANIEL A MARINEZ3 | 303 W ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $17K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $7K |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 516 | $4.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 274 | $215K |
| Vision(2 contracts) | EYEMED VISION CARE | 433 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 333 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $242K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 333 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.