| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $7K | $70K | 11.05% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.38% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 18.01% |
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.89% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8182 MARYLAND AVENUE, SUITE 250 CLAYTON, MO 63105 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.63% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $8K | $8K | 33.74% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METLIFE LEGAL PLANS OF FLORIDA | $1K | $285 | $2K | 6.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 8182 MARYLAND AVENUE, SUITE 250 CLAYTON, MO 63105 | METLIFE LEGAL PLANS OF FLORIDA | $1K | $0 | $1K | 5.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $360 | $360 | 1.57% |
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 | 2,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 993 | $86K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,072 | $637K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,072 | $637K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,072 | $637K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,072 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,072 | — |
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.