| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163K | $61K | $224K | 7.40% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60K | $60K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192K | $48K | $240K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMG 1539 FOREST PARK, GA 30297 | AMERITAS LIFE INSURANCE CORP. | $145K | $17K | $162K | 11.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORP. | — | $13K | $13K | 0.87% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM INSURANCE COMPANY | $68K | $18K | $86K | 12.65% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM INSURANCE COMPANY | $61K | $16K | $77K | 12.67% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM INSURANCE COMPANY | $57K | $16K | $73K | 12.77% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 1455 LINCOLN PARKWAY EAST STE 100 ATLANTA, GA 30346 | METROPOLITAN GENERAL INSURANCE COMPANY | $41K | $3K | $44K | 11.62% |
| GCG FINANCIAL LLC3 Filed as: CHAMPION BENEFITS, AN ALERA GROUP | 4868 HIGHWAY 85 PMB 1539 FOREST PARK, GA 30297 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.00% |
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 | 9,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 15,648 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,748 | $2.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,066 | $3.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,748 | $3.0M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,748 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,648 | — |
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.