| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | AMERITAS LIFE INSURANCE COMPANY | $13K | — | $13K | 8.26% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.81% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.08% |
| CHAMPION BENEFITS5 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.82% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.08% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.45% |
| CHAMPION BENEFITS5 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.55% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.35% |
| CHAMPION BENEFITS5 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.15% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $143 | $2K | 21.80% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $245 | $245 | 3.07% |
| GCG FINANCIAL LLC5 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $112 | $112 | 1.40% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $733 | $56 | $789 | 21.52% |
| GCG FINANCIAL LLC5 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $106 | $106 | 2.89% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $96 | $96 | 2.62% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | $58 | $564 | 22.29% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $99 | $99 | 3.91% |
| GCG FINANCIAL LLC5 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $64 | $64 | 2.53% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE COMPANY | 338 | $162K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 338 | $162K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $35K |
| Other(6 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 338 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.