| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD | $70K | — | $70K | 3.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.29% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.06% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $336 | $336 | 0.98% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 17.27% |
| VIRTUS LLC3 | 4550 W. 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $405 | — | $405 | 1.28% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $360 | $360 | 1.14% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE | $4K | $942 | $5K | 16.86% |
| VIRTUS LLC3 | 4330 W. 109TH STREET, SUITE 301 OVERLAND PARK, KS 66211 | LINCOLN NATIONAL LIFE INSURANCE | $385 | — | $385 | 1.28% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN NATIONAL LIFE INSURANCE | — | $303 | $303 | 1.01% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE NORTH PARKWAY STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $811 | — | $811 | 6.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | GUARDIAN | — | $287 | $287 | 3.62% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 275 | $1.8M |
| Dental | GUARDIAN | 114 | $8K |
| Vision | VISION SERVICE PLAN | 93 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $64K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $32K |
| Other | LINCOLN NATIONAL LIFE INSURANCE | 141 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.