| 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 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $32K | $2K | $34K | 4.13% |
| RED MANE TECHNOLOGY LLC3 | 8614 WEST CATALPA AVENUE SUITE 1001 CHICAGO, IL 60656 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 1901 BUTTERFIELD ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $5K | $9K | 9.01% |
| THE HUNKEN AGENCY, INC.3 | 2550 COMPASS ROAD #H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.34% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $749 | — | $749 | 7.50% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $966 | $222 | $1K | 26.74% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 151 | $818K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $96K |
| Vision | VISION SERVICE PLAN | 85 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $94K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.