| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 5.46% |
| STANLEY DOUGLAS GILLESPIE3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | GUARDIAN | $20K | — | $20K | 8.32% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD ROAD STE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $16K | — | $16K | 6.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | GUARDIAN | — | $1K | $1K | 0.62% |
| STANLEY DOUGLAS GILLESPIE3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | GUARDIAN | $19K | — | $19K | 14.58% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD ROAD STE 200 DOWNERS GROVE, IL 60515 | GUARDIAN | $2K | — | $2K | 1.86% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | GUARDIAN | — | $252 | $252 | 0.19% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY N STE 500 DEERFIELD, IA 600152567 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.17% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | — | AETNA LIFE INSURANCE COMPANY | — | $77K | $77K | 114.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 NONE | Contract Administrator Service code 13 | 200 WEST ADAMS STREET STE 500 CHICAGO, IL 60606 | $170K |
| FIDUCIARYRX, LLC EIN 46-5514363 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Other fees; Named fiduciary Service code 12 | 10845 GRIFFITH PEAK DRIVE STE 200 LAS VEGAS, NV 89135 | $168K |
| AETNA LIFE INSURANCE COMPANY EIN 06-0603349 NONE | Claims processing Service code 12 | 200 WEST ADAMS STREET STE 500 CHICAGO, IA 60606 | $114K |
| LUCENT HEALTH ADMINISTRATORS, LLC NONE | Contract Administrator Service code 13 | 5560 W. GRANDE MARKET DRIVE APPLETON, WI 54913 | $42K |
| DELTA DENTAL OF NEBRASKA EIN 47-0685003 NONE | Claims processing; Contract Administrator Service code 12 | — | $32K |
| TELADOC EIN 35-2351217 NONE | Consulting (general) Service code 16 | 200 WEST ADAMS STREET STE 500 CHICAGO, IL 60606 | $10K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Consulting (general) Service code 16 | 200 WEST ADAMS STREET STE 500 CHICAGO, IL 60606 | $9K |
| ALERA GROUP INC AGENT / AGENCY | Insurance agents and brokers Service code 22 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | $0 |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 996 | $70K |
| Life insurance | GUARDIAN | 432 | $238K |
| Short-term disability | GUARDIAN | 452 | $131K |
| Long-term disability | GUARDIAN | 432 | $238K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 614 | $1.2M |
| Other(2 contracts) | GUARDIAN | 452 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.