| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 4.71% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.47% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC DALLAS REGIONAL | LOCKBOX, BENEFITSTORE LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 22.75% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM. INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LEGAL ACCESS CONSULTING, LLC | $0 | $4K | $4K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $726 | $726 | 4.62% |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 767 | $214K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $789K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $24K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 956 | $326K |
| Other(2 contracts, 2 carriers) | LEGAL ACCESS CONSULTING, LLC | 956 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.