| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3000 LAKESIDE DRIVE #200 SOUTH BANNOCKBURN, IL 60015 | BLUE CROSS OF CALIFORNIA | $152K | — | $152K | 3.55% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $15K | $26K | 9.49% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.36% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFILED, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $631 | $8K | 9.19% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 8.80% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.12% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $621 | $10K | 12.76% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.47% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSURANCE | PO BOX 457 PILOT HILL, CA 95664 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.56% |
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 18.58% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $2K | — | $2K | 3.07% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $456 | $7K | 16.02% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INS. SERVI | 5551 MEADOW CROFT LN PILOT HILL, CA 95664 | VISION SERVICE PLAN | -$2 | — | -$2 | -0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 5.76% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.07% |
| H E INSURANCE INC3 | 225 W WASHINGTON STE 1550 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.69% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSURANCE | PO BOX 457 PILOT HILL, CA 95664 | KAISER FOUNDATION HEALTH PLAN INC | $345 | — | $345 | 4.97% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSURANCE | PO BOX 457 PILOT HILL, CA 95664 | KAISER FOUNDATION HEALTH PLAN INC | $159 | — | $159 | 4.13% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 219 | $4.4M |
| Dental(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $409K |
| Vision | VISION SERVICE PLAN | 300 | $58K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $136K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $82K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.