| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $53K | $8K | $61K | 1.73% |
| GCG FINANCIAL LLC3 | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73K | — | $73K | 17.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 5.00% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$31 | — | -$31 | -0.01% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$45 | — | -$45 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 | Claims processing Service code 12 | — | $162K |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 484 | $3.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.