| 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 | $159K | — | $159K | 30.74% |
| 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 | $42K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $508 | $508 | 0.24% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $709 | $709 | 0.42% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $428 | $428 | 0.41% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 22.72% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $464 | $464 | 0.84% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $10K | 20.58% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $421 | $421 | 0.91% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 25.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $367 | $367 | 0.84% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | METLIFE LEGAL PLANS | $3K | $417 | $3K | 13.64% |
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 | 881 | 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) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,360 | $517K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,360 | $517K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 881 | $315K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 882 | $171K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 881 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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.