| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CLEVIDENCE INS, AN ALERA AGENCY LLC | 3000 WEST MACARTHUR BOULEVARD SUITE 320 SANTA ANA, CA 92704 | AETNA HEALTH OF CALIFORNIA, INC. | $23K | $0 | $23K | 4.92% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | AETNA HEALTH OF CALIFORNIA, INC. | $2K | $0 | $2K | 0.37% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET SANTA ANA, CA 92705 | AETNA HEALTH OF CALIFORNIA, INC. | $575 | $0 | $575 | 0.12% |
| GCG FINANCIAL LLC3 Filed as: CLEVIDENCE INS, AN ALERA AGENCY LLC | 3000 WEST MACARTHUR BOULEVARD SUITE 320 SANTA ANA, CA 92704 | AETNA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.97% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE COMPANY | $885 | $0 | $885 | 0.30% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $283 | $0 | $283 | 0.10% |
| GCG FINANCIAL LLC3 Filed as: CLEVIDENCE INS, AN ALERA AGENCY LLC | 3000 WEST MACARTHUR BOULEVARD SUITE 320 SANTA ANA, CA 92704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $689 | $444 | $1K | 11.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA CLEVIDENCE | 3000 WEST MACARTHUR BOULEVARD SUITE 320 SANTA ANA, CA 92704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $339 | $0 | $339 | 3.30% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $222 | $222 | 2.16% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 163 | $786K |
| Dental | AETNA LIFE INSURANCE COMPANY | 163 | $297K |
| Vision | AETNA LIFE INSURANCE COMPANY | 163 | $297K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $10K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 163 | $321K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.