| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $34K | $37K | 3.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $11K | $13K | 1.38% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.09% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET, SUITE 1100 CHICAGO, IL 60654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.82% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.08% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $624 | — | $624 | 3.32% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $944K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $944K |
| Vision | VISION SERVICE PLAN | 101 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $72K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $944K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.