| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $30K | $0 | $30K | 1.91% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $22K | $0 | $22K | 6.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $7K | $7K | 1.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | SUNLIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 11.50% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | HARTFORD FIRE INSURANCE COMPANY | $631 | $0 | $631 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $32 | $178 | 9.19% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTERFIELD ROAD SUITE 200 DONNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $0 | $155 | 8.01% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $13 | $13 | 0.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN JOHNS CREEK, GA 30097 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $87 | $87 | 12.32% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 777 OAKMONT LANE SUITE 1400 WESTMONT, IL 60559 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $71 | $0 | $71 | 10.06% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTERFIELD ROAD SUITE 200 DONNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 15.73% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTERFIELD ROAD SUITE 200 DONNERS GROVE, IL 60515 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14 | $0 | $14 | 8.97% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTERFIELD ROAD SUITE 200 DONNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 3.39% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 367 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 367 | $1.9M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 367 | $1.9M |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 229 | $252K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 229 | $252K |
| Long-term disability(4 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 229 | $255K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 31 | $333K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 229 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.