| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 7.65% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, LLC | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $452 | $0 | $452 | 1.53% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, LLC | PO BOX 5086 OXNARD, CA 93031 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $283 | — | $283 | 7.92% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, LLC | 310 WEST ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $32 | — | $32 | 0.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $354 | $44 | $398 | 11.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $126 | $0 | $126 | 7.44% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, LLC | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $34 | $0 | $34 | 2.01% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 59 | $31K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 41 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $4K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.