| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $57K | $3K | $60K | 4.30% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 600152567 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.19% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $19 | $2K | 9.51% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47 | $47 | 0.21% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $18 | $3K | 13.58% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $45 | $45 | 0.21% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $19 | $3K | 15.09% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 600152567 | VISION SERVICE PLAN | $772 | — | $772 | 7.28% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $9 | $1K | 12.22% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23 | $23 | 0.24% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $667 | $2K | 29.98% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | $373 | $1K | 30.44% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 185 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 185 | $1.4M |
| Vision | VISION SERVICE PLAN | 90 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $31K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $21K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.