| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $94K | $4K | $98K | 3.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $47K | — | $47K | 2.46% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $16K | $3K | $19K | 0.99% |
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS INCORPORATED | 1122 SOUTH MAIN STREET SUITE B, GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $63K | — | $63K | 7.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $17K | $13K | $30K | 22.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.04% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.62% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $509 | $509 | 1.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.48% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $691 | — | $691 | 3.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $345 | $345 | 1.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $822 | — | $822 | 6.28% |
| GCG FINANCIAL LLC3 | GCG FINANCIAL INC THREE PARKWAY NORTH DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $487 | — | $487 | 3.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $244 | $244 | 1.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | — | $570 | 9.39% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $341 | — | $341 | 5.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $114 | $114 | 1.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $302 | — | $302 | 6.64% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $153 | — | $153 | 3.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 1.12% |
No Schedule C service providers reported on this filing.
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 508 | $5.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 334 | $171K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $13K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 516 | $214K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $20K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 379 | $161K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 126 | $788K |
| Other(4 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 516 | $220K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.