| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 7.08% |
| 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 | $14K | — | $14K | 4.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S SUITE 360 JACKSONVILLE, FL 322240229 | EYEMED VISION | $6K | — | $6K | 8.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMISTRATOR | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $844K |
| AON RISK SERVICES INC INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 13901 SUTTON PARK DR S # 360 JACKSONVILLE, FL 32224 | $111K |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $25K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN | Claims processing Service code 12 | — | $0 |
| GCG FINANCIAL INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | -$300 |
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 | 1,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION | 1,484 | $75K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,387 | $309K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,387 | $309K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,387 | $309K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,457 | $721K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,387 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,484 | — |
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.