| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $195K | $3K | $198K | 3.05% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $8K | $66K | 15.78% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $14K | $4K | $17K | 18.92% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.08% |
| ANNA MARINEZ3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| NIKERINA INC3 | 303 WEST ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| DANIEL A MARINEZ3 | 3761 S MORGAN ST UNIT C CHICAGO, IL 60609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 0.78% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $434 | — | $434 | 0.70% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.25% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.23% |
| DANIEL A MARINEZ3 | 3761 S MORGAN ST UNIT C CHICAGO, IL 60609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.05% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. - DEERFIELD, IL | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | EYEMED VISION CARE | $3K | — | $3K | 6.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $20K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 CLAIMS PROCESSING | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $8K |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 603 | $6.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 355 | $30K |
| Vision | EYEMED VISION CARE | 318 | $50K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 484 | $90K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $420K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 434 | $420K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 484 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.