| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | — | $741 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, WI 60015 | DELTA DENTAL OF WISCONSIN | $296 | — | $296 | 2.49% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $538 | — | $538 | 10.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $269 | $130 | $399 | 7.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | $364 | — | $364 | 7.49% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | WYSSTA INSURANCE COMPANY INC | $73 | — | $73 | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $15K |
| ALERA GROUP INC, GCG FINANCIAL INC EIN 36-3001763 BROKER | Other commissions Service code 55 | 3 PARKWAY N #500 DEERFIELD, IL 60015 | $6K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 160 | $12K |
| Vision | WYSSTA INSURANCE COMPANY INC | 139 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 112 | $145K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Final-filing indicator set. Plan is winding down; don't waste sales effort here.