| 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 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $3K | $24K | 12.06% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $7K | $26K | 20.08% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.54% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS AN ALERA GROUP | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 20.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.51% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $9K | 15.55% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.78% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.05% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.52% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFTIS, AN ALERA GROUP | 1455 LINCOLN PKWY, STE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $572 | $3K | 17.64% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFTIS, AN ALERA GROUP | 1455 LINCOLN PKWY, STE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $2K | $632 | $3K | 19.50% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFTIS, AN ALERA GROUP | 1455 LINCOLN PKWY, STE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $8K | $625 | $8K | 59.54% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFTIS, AN ALERA GROUP | 1455 LINCOLN PKWY, STE 100 ATLANTA, GA 30346 | UNUM INSURANCE COMPANY | $3K | $414 | $3K | 46.15% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 267 | $201K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 267 | $201K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $98K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $132K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 402 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.