| 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 | $240K | $251K | 5.24% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 5.12% |
| KLEIN INC3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $2K | $47 | $3K | 8.03% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $541 | $36 | $577 | 1.82% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $474 | $11 | $485 | 1.53% |
| ROCKWELL & ASSOCIATES3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $211 | $11 | $222 | 0.70% |
| JOANNA M ROCKWELL3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $175 | — | $175 | 0.55% |
| JWCIB, INC.3 Filed as: JWCIB INC | 451 A ST STE 1800 SAN DIEGO, CA 92101 | AFLAC | $170 | — | $170 | 0.54% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $143 | — | $143 | 0.45% |
| SIEMS INSURANCE SOLUTIONS INC3 | 6888 PARK RIDGE BLVD SAN DIEGO, CA 92120 | AFLAC | $43 | — | $43 | 0.14% |
| HEATHER SIEMS3 | 6888 PARK RIDGE BLVD SAN DIEGO, CA 92120 | AFLAC | $35 | — | $35 | 0.11% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO N STE 200 SAN DIEGO, CA 92108 | AFLAC | $29 | — | $29 | 0.09% |
| LUKE A ROCKWELL3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $20 | $8 | $28 | 0.09% |
| JASON B VAN ANTWERP3 | 203 N 2ND ST OAKLAND, MD 21550 | AFLAC | $19 | — | $19 | 0.06% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES | 8676 ELLSWORTH LN SANTEE, CA 92071 | AFLAC | $14 | — | $14 | 0.04% |
| SANDRA BREDESON3 | 6126 PRIMROSE DR LA MESA, CA 91942 | AFLAC | $13 | — | $13 | 0.04% |
| KLS AND ASSOCIATES3 | 1027 CREEKSIDE CIR NAPERVILLE, IL 60563 | AFLAC | $12 | — | $12 | 0.04% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $10 | — | $10 | 0.03% |
| JIMMY LEE3 | 6942 N CENTRAL AVE CHICAGO, IL 60646 | AFLAC | $9 | — | $9 | 0.03% |
| ANA MARIA LEON3 | 5000 SW 65TH AVE MIAMI, FL 33155 | AFLAC | $6 | — | $6 | 0.02% |
| MARIA ORTIZ3 Filed as: MARIA C CORTIZ | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $6 | — | $6 | 0.02% |
| CERTUS INSURANCE ADVISORS LLC3 Filed as: CERTUS INSURANCE ADVISORS | 10625 N KENDALL DR MIAMI, FL 33176 | AFLAC | $5 | — | $5 | 0.02% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $4 | — | $4 | 0.01% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVE STE 200 LA MESA, CA 91942 | AFLAC | $4 | — | $4 | 0.01% |
| CRISTINA E LEON-RIVERO3 | 9500 SW 97TH ST MIAMI, FL 33176 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| ADAM H MICHAELS3 | 1019 W JACKSON BLVD APT 3G CHICAGO, IL 60607 | AFLAC | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 600152567 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $587 | $5K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMINISTRATIVE SERVICE | Claims processing; Direct payment from the plan; Contract Administrator; Other fees Service code 12 | — | $11K |
| PERSPECTIVES LTD EIN 36-3444982 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 740 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 740 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 740 | $4.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $253K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $224K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
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.