| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP | INSURANCE AGENCY LLC P O BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE CO. | $14K | $5K | $19K | 5.66% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN, AN ALERA GROUP INSURANCE | 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $289 | $2K | 12.00% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $389 | $2K | 19.00% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP | INSURANCE AGENCY LLC 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | VISION SERVICE PLAN | $509 | — | $509 | 8.16% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $563 | $225 | $788 | 13.98% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $435 | $174 | $609 | 13.99% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INSURANCE | AGENCY 3415 BROOKSIDE RD STE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $257 | $103 | $360 | 13.97% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 130 | $340K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $45K |
| Vision | VISION SERVICE PLAN | 97 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $6K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.