| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSUR | 5551 MEADOW CROFT LANE PILOT HILL, CA 95664 | CALIFORNIA PHYSICIANS' SERVICE | $49K | $126 | $49K | 1.77% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CALIFORNIA PHYSICIANS' SERVICE | $34K | — | $34K | 1.24% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SLTNS INS SVCS | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFILED, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.54% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SLTNS INS SVCS | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.99% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.01% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SLTNS INS SVCS | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.22% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.78% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INS SERVIC | 5551 MEADOW CROFT LANE PILOT HILL, CA 95664 | VISION SERVICE PLAN | $1K | — | $1K | 3.17% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $413 | — | $413 | 1.19% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSUR | PO BOX 457 PILOT HILL, CA 95664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.85% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.86% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 270 | $2.8M |
| Vision | VISION SERVICE PLAN | 273 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 276 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 275 | $51K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 270 | $2.8M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.