| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $173K | $3K | $176K | 3.30% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 15.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $24K | — | $24K | 10.04% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.88% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 13.13% |
| ANNA MARINEZ3 | 303 W. ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $706 | — | $706 | 1.54% |
| DANIEL A MARINEZ3 | 303 W ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $602 | — | $602 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | — | $350 | 0.76% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | — | $238 | 0.52% |
| NIKERINA INC3 | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.51% |
| DANIEL A MARINEZ3 | 303 W ERIE CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.28% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC.-DEERFIELD, IL | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $6K | — | $6K | 19.54% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | EYEMED VISION CARE | $58 | — | $58 | 9.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $17K |
| EVERNORTH BEHAVIORAL HEALTH INC. EIN 41-1648670 CLAIMS PROCESSING | Claims processing; Participant communication; Direct payment from the plan; Contract Administrator Service code 12 | — | $7K |
| EVERNORTH BEHAVIORAL HEALTH, INC. | Claims processing; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $0 |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 553 | $5.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 312 | $238K |
| Vision(2 contracts) | EYEMED VISION CARE | 483 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $325K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $245K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $245K |
| Prescription drug | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $245K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $245K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 390 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
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.