| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $189K | $3K | $192K | 3.31% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $9K | $67K | 17.26% |
| DANIEL A MARINEZ3 | 303 W ERIE CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 4.68% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 4.23% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 2.53% |
| NIKERINA INC3 | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 2.41% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.08% |
| ANNA MARINEZ3 | 303 W. ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.42% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.93% |
| DANIEL A MARINEZ3 | 303 W ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $26K | — | $26K | 10.09% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $12K | $5K | $17K | 20.85% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | EYEMED VISION CARE | $3K | — | $3K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH BEHAVIORAL HEALTH INC. EIN 41-1648670 CLAIMS PROCESSING | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $7K |
| EVERNORTH BEHAVIORAL HEALTH, INC. | Contract Administrator; Direct payment from the plan; Claims processing; 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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 600 | $5.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 329 | $261K |
| Vision | EYEMED VISION CARE | 528 | $33K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 440 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $389K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $389K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 440 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.