| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | 90 DEGREE BENEFITS | $51K | $11K | $62K | 4.67% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | BLUE CROSS BLUE SHIELD OF TEXAS | $15K | $1K | $17K | 20.52% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 19.92% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY | 3519 PAESANOS PKWY STE 106 SAN ANTONIO, TX 78231 | COMPANION LIFE INSURANCE | $4K | — | $4K | 10.03% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | 90 DEGREE BENEFITS | 129 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 279 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $56K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $100K |
| Prescription drug(2 contracts, 2 carriers) | 90 DEGREE BENEFITS | 129 | $1.4M |
| Stop-loss / reinsurancereinsurance | 90 DEGREE BENEFITS | 129 | $1.3M |
| Other(2 contracts, 2 carriers) | 90 DEGREE BENEFITS | 163 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
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.