| 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 | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9K | $0 | $9K | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $3K | $3K | 1.78% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHINS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KENDALL FINANCIAL & INSURANCE LLC3 Filed as: KENDALL FINANCIAL AND INS, LLC | PO BOX 128 WEST MILTON, OH 45383 | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUNLIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 16.62% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $382 | $0 | $382 | 5.95% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 1.48% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $11 | $11 | 0.17% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 777 OAKMONT LANE, SUITE 1400 WESTMONT, IL 60559 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | $0 | $72 | 10.01% |
| AXIS BENEFITS CONSULTANTS, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12 | $0 | $12 | 9.60% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 84 | $148K |
| Dental | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 84 | $148K |
| Vision(2 contracts, 2 carriers) | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 84 | $149K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 415 | $91K |
| Short-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 415 | $91K |
| Long-term disability(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 415 | $97K |
| Prescription drug | ANTHEN BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 84 | $148K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 415 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.