| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP AGY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $64K | $64K | 5.20% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP AGY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GROUP | COMPANY 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25 | $25 | 0.03% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $691 | $3K | 13.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $443 | $916 | $1K | 6.61% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $580 | $2K | 13.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | $803 | $1K | 6.44% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $527 | $3K | 16.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $345 | $731 | $1K | 6.42% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $752 | $106 | $858 | 13.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131 | $294 | $425 | 6.82% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $87K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $17K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 82 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.