| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $99K | $3K | $102K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 777 OAKMONT LANE #1400 WESTMONT, IL 60559 | GUARDIAN | $25K | — | $25K | 4.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | GUARDIAN | — | $15K | $15K | 2.87% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $8K | — | $8K | 1.63% |
| TRUE NETWORK OF ADVISORS LLC3 Filed as: TRUE WEALTH STRATEGIES LLC | 377 BUTTERFIELD ROAD STE. 240 LOMBARD, IL 60148 | GUARDIAN | $591 | — | $591 | 0.11% |
| H E INSURANCE INC3 | 7 HANOVER SQ NEW YORK, NY 10004 | GUARDIAN | $287 | — | $287 | 0.06% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 405 | $2.8M |
| Dental | GUARDIAN | 275 | $520K |
| Vision | GUARDIAN | 275 | $520K |
| Life insurance | GUARDIAN | 275 | $520K |
| Short-term disability | GUARDIAN | 275 | $520K |
| Long-term disability | GUARDIAN | 275 | $520K |
| Other | GUARDIAN | 275 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.