| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | BLUE CROSS OF CALIFORNIA | $216K | $0 | $216K | 4.03% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $29K | 13.11% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.00% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 18.14% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $291 | $4K | 5.35% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 5.67% |
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 21.56% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFIT SOLUTIONS INSURANCE | PO BOX 457 PILOT HILL, CA 956640457 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 5.57% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $216K | $0 | $216K | 519.90% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $3K | $469 | $4K | 17.03% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $298 | $0 | $298 | 1.29% |
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.15% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $2K | $281 | $2K | 17.04% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $254 | $0 | $254 | 1.84% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $2K | $245 | $2K | 17.10% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $290 | $0 | $290 | 2.49% |
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148 | $0 | $148 | 19.95% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 451 | $5.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 493 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $304K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $221K |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.