| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | $36K | $0 | $36K | 5.18% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | $0 | $15K | $15K | 2.09% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 2 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 10.97% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 11.35% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 17.03% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.86% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.14% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.70% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 8.25% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $739 | $0 | $739 | 3.02% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $783 | $0 | $783 | 16.21% |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | 85 | $704K |
| Dental | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | 85 | $704K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | 298 | $729K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $479K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $479K |
| Long-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $542K |
| Prescription drug | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE CO | 85 | $704K |
| Other(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 483 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.