| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 8.40% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $897 | $2K | 11.42% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $769 | $769 | 4.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. DBA BARKLEY | P. O. BOX 5086 OXNARD, CA 93031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $628 | $0 | $628 | 3.33% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 310 W ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INC CO | $657 | $0 | $657 | 8.32% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INC CO | $271 | $0 | $271 | 3.43% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 156 | $38K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INC CO | 103 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $19K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.