| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.33% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MEISROW INSURANCE SER INC | 353 N CLARK STREET 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.76% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | THREE PARKWAY NORTH, STE 500 DEERFIELD, IL 60015 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.01% |
| MESIROW INSURANCE SERVICES INC3 | 1500 S LAKESIDE DR BANNOCKBURN, IL 60015 | UNION SECURITY INSURANCE COMPANY | $759 | $575 | $1K | 2.43% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | EYEMED | $861 | — | $861 | 7.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 CLAIMS PROCESSING | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $683K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $46K |
| GCG FINANCIAL INC EIN 36-3001763 BROKER | Other commissions Service code 55 | — | $27K |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 34 | $135K |
| Dental | UNION SECURITY INSURANCE COMPANY | 135 | $55K |
| Vision | EYEMED | 195 | $11K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 152 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.