| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $97K | $0 | $97K | 2.28% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $72K | $0 | $72K | 1.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $16K | $32K | 13.54% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, VA 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 11.85% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.99% |
| 4MYBENEFITS, INC.5 | 4665 CORNELL ROAD, SUITE 331 BLUE ASH, OH 45241 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSUURANCE SERVICES LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 1.27% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, VA 60015 | AMERITAS LIFE INSURANCE CORPORATION | $13K | $0 | $13K | 5.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 4.13% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 603 | $4.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 778 | $229K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $235K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $235K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $235K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 603 | $4.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 456 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.