| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | HUMANA INSURANCE COMPANY | $41K | $3K | $44K | 3.76% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | HUMANA INSURANCE COMPANY | -$8K | $89 | -$8K | -0.65% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | HUMANA HEALTH PLAN, INC. | $2K | $0 | $2K | 2.77% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | HUMANA HEALTH PLAN, INC. | -$544 | $0 | -$544 | -0.86% |
| GCG FINANCIAL LLC3 | 3 PKWY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $2K | $0 | $2K | 10.00% |
| GCG FINANCIAL LLC3 | 3 PKWY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.01% |
| GCG FINANCIAL LLC3 | 3 PKWY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $1K | $0 | $1K | 10.01% |
| GCG FINANCIAL LLC3 | 3 PKWY N STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192 | $0 | $192 | 10.02% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 600152567 | COMPBENEFITS DENTAL, INC. | $135 | $149 | $284 | 21.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | COMPBENEFITS DENTAL, INC. | $0 | $4 | $4 | 0.30% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 116 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 116 | $1.2M |
| Vision | HUMANA INSURANCE COMPANY | 116 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA. | 0 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA. | 0 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA. | 0 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.