| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $215K | — | $215K | 37.73% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $11K | $43K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $3K | $29K | 34.34% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 24.94% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 25.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $70 | $3K | 7.31% |
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 | 937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $569K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,367 | $569K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $327K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $229K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 949 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.