| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $57K | — | $57K | 4.04% |
| LAURIE WINSTON3 | 1122 S MAIN ST SUITE B GREENVILLE, SC 29601 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $21K | — | $21K | 1.53% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | HEALTH CARE SERVICE CORPORATION | $49K | — | $49K | 4.59% |
| BENEFIT PLAN STRATEGIES3 | 5314 S YALE AVE, SUITE 601 TULSA, OK 74135 | HEALTH CARE SERVICE CORPORATION | $4K | $3K | $7K | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OKLAHOMA, INC | 208 N MILL ST PRYOR, OK 74361 | HEALTH CARE SERVICE CORPORATION | -$611 | — | -$611 | -0.06% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | AMERITAS LIFE INSURANCE CORP | $24K | — | $24K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.34% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY E SUITE 100 ATLANTA, GA 30346 | METLIFE LEGAL PLANS | $2K | $136 | $2K | 17.53% |
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 | 428 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 292 | $2.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 748 | $238K |
| Vision | AMERITAS LIFE INSURANCE CORP | 748 | $238K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $71K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 292 | $1.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.