| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $60K | $64K | 5.32% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, OH 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.85% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.84% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD, SUITE 2367 OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $877 | $443 | $1K | 8.69% |
| MJ INSURANCE3 Filed as: BAILEA MCNIEL & VARIOUS AGENTS | 8685 BAYMEADOWS ROAD EAST JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $558 | $566 | $1K | 7.40% |
| M F B FINANCIAL INC3 | UNKNOWN SAINT AUGUSTINE, FL 32080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 6.83% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $867 | $0 | $867 | 5.71% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 3996 RICHMOND PARK DRIVE EAST JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $7 | $355 | 2.34% |
| MICHELL ASSELIN3 | 7901 BAYMEADOWS CIRCLE EAST JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $59 | $315 | 2.07% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE, SUITE 6 KISSIMEE, FL 34741 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $62 | $200 | 1.32% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $1.2M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 25 | $15K |
| 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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.