| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $45K | $5K | $50K | 3.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 200 EAST RANDOLPH CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 0.95% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 10275 W HIGGINS SUITE 500 ROSEMONT, IL 60018 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $227 | — | $227 | 0.34% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $298 | — | $298 | 0.49% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $886 | — | $886 | 2.00% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 10275 W HIGGINS SUITE 500 ROSEMONT, IL 60018 | STANDARD INSURANCE COMPANY | $765 | — | $765 | 1.73% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $373 | — | $373 | 0.84% |
| AON CONSULTING INC3 | PO BOX 803507 DALLAS, TX 75380 | DEARBORN LIFE INSURANCE COMPANY | $298 | — | $298 | 2.54% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 188 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 188 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 85 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 104 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 104 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 104 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.