| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $104K | — | $104K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.43% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.16% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 9 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $55K | — | $55K | 3.33% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY N STE 500 DEERFIELD, IL 60015 | COMBINED INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 8.32% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $199 | — | $199 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIM PROCESSOR | Claims processing Service code 12 | — | $4.0M |
| CVS CAREMARK EIN 05-0340626 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $430K |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 ADMINISTRATIVE SERVICES | Contract Administrator; Claims processing Service code 12 | — | $425K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIM PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $348K |
| GCG FINANCIAL INC BROKER | Insurance agents and brokers Service code 22 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | $44K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATOR | Consulting (general) Service code 16 | — | $17K |
| MARSH & MCLENNAN AGENCY LLC TRION G BROKER | Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $2K |
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 | 12,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 12,320 | $610K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,238 | $2.1M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 594 | $47K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 8,997 | $1.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,238 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.