| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GNC FINANCIAL3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $3K | $49K | 4.11% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $42 | $8K | 9.93% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $571 | $4K | 17.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $924 | $924 | 4.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $918 | — | $918 | 6.21% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $388 | $2K | 17.95% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $268 | $2K | 17.71% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $679 | $139 | $818 | 11.61% |
| GCG FINANCIAL LLC3 | 2 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $170 | $224 | $394 | 5.59% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | $179 | $1K | 17.89% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $465 | $81 | $546 | 11.48% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $115 | $134 | $249 | 5.23% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62 | $9 | $71 | 17.15% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 181 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $81K |
| Vision | VISION SERVICE PLAN | 128 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $13K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.