| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP AN ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | BLUE CROSS BLUE SHIELD OF FLORIDA | $0 | $0 | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: RCP AN ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | HEALTH OPTIONS, INC | $12K | $0 | $12K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 2290 LUCIEN WAY. SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC | $5K | $0 | $5K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: RCP AN ALERA GROUP, LLC | 8182 MARYLAND AVENUE SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 9.36% |
| GCG FINANCIAL LLC3 Filed as: RCP AN ALERA GROUP, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $810 | $4K | 4.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 2290 LUCIEN WAY MAITLAND, FL 32751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $968 | $0 | $968 | 16.37% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 7777 BONHOMME AVENUE, SUITE 2000 SAINT LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | $0 | $482 | 8.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $385 | — | $385 | 6.72% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC | 7777 BONHOMME AVENUE, SUITE 2000 SAINT LOUIS, MO 63105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $331 | — | $331 | 5.78% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $960K |
| Dental(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $960K |
| Vision(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $960K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $86K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 51 | $960K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.