| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3000 LAKESIDE DRIVE SUITE 200 SOUTH BANNOCKBURN, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 BUILDING C JACKSONVILLE, FL 32224 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.37% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $878 | — | $878 | 5.75% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, FL 322240229 | VISION SERVICE PLAN | $64 | — | $64 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMISTRATOR | Claims processing Service code 12 | — | $845K |
| GCG FINANCIAL INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | $108K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $22K |
| COMPSYCH EIN 35-3739783 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $9K |
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 | 1,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 959 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,487 | $319K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,487 | $319K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,487 | $319K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,528 | $602K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,487 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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."
No prospect flags tripped on this filing.