| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $232K | $243K | 5.10% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $16K | 6.42% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $694 | $6K | 17.00% |
| KLEIN INC3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $7K | $664 | $8K | 29.17% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $1K | $58 | $1K | 4.37% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $945 | $60 | $1K | 3.59% |
| JOANNA M ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $534 | $77 | $611 | 2.19% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $399 | $60 | $459 | 1.64% |
| ROCKWELL & ASSOCIATES3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $200 | — | $200 | 0.72% |
| LUKE A ROCKWELL3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $65 | — | $65 | 0.23% |
| JWCIB, INC.3 Filed as: JWCIB INC | 451 A ST STE 1800 SAN DIEGO, CA 92101 | AFLAC | $60 | — | $60 | 0.21% |
| SIEMS INSURANCE SOLUTIONS INC3 | 6888 PARK RIDGE BLVD SAN DIEGO, CA 92120 | AFLAC | $26 | — | $26 | 0.09% |
| CRISTINA E LEON-RIVERO3 | 9500 SW 97TH ST MIAMI, FL 33176 | AFLAC | $10 | $11 | $21 | 0.08% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES | 8676 ELLSWORTH LN SANTEE, CA 92071 | AFLAC | $11 | — | $11 | 0.04% |
| JASON B VAN ANTWERP3 | 203 N 2ND ST OAKLAND, MD 21550 | AFLAC | $10 | — | $10 | 0.04% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $6 | $3 | $9 | 0.03% |
| MARIA ORTIZ3 Filed as: MARIA C CORTIZ | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $5 | $3 | $8 | 0.03% |
| KLS AND ASSOCIATES3 | 1027 CREEKSIDE CIR NAPERVILLE, IL 60563 | AFLAC | $6 | — | $6 | 0.02% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $5 | — | $5 | 0.02% |
| CERTUS INSURANCE ADVISORS LLC3 Filed as: CERTUS INSURANCE ADVISORS | 10625 N KENDALL DR MIAMI, FL 33176 | AFLAC | $5 | — | $5 | 0.02% |
| SANDRA BREDESON3 | 6126 PRIMROSE DR LA MESA, CA 91942 | AFLAC | $5 | — | $5 | 0.02% |
| JIMMY LEE3 | 6942 N CENTRAL AVE CHICAGO, IL 60646 | AFLAC | $5 | — | $5 | 0.02% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO N STE 200 SAN DIEGO, CA 92108 | AFLAC | $4 | — | $4 | 0.01% |
| HEATHER SIEMS3 | 6888 PARK RIDGE BLVD SAN DIEGO, CA 92120 | AFLAC | $3 | — | $3 | 0.01% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Contract Administrator; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $7K |
| PERSPECTIVES LTD EIN 36-3444982 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 680 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 680 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 680 | $4.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $279K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $244K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.