| 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 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $51K | $1K | $52K | 5.07% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 14.62% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | BETA HEALTH | $828 | $0 | $828 | 8.00% |
| LINDSAY LIJEWSKI3 | 6025 SOUTH QUEBEC STREET, SUITE 360 ENGLEWOOD, CO 80111 | AFLAC | $327 | $0 | $327 | 3.43% |
| MJ INSURANCE3 Filed as: GINA WALI AND VARIOUS AGENTS | 404 ALABAMA HIGHWAY 69 NORTH CULLMAN, AL 35055 | AFLAC | $247 | $0 | $247 | 2.59% |
| RYAN PATRICK HANNEGAN3 Filed as: RYAN HANNEGAN | 3540 SOUTH PEARL STREET APARTMENT 203 ENGLEWOOD, CO 80113 | AFLAC | $185 | $0 | $185 | 1.94% |
| GCG FINANCIAL LLC3 | 3401 QUEBEC STREET, SUITE 8000 DENVER, CO 80207 | AFLAC | $162 | $0 | $162 | 1.70% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $135 | $0 | $135 | 1.42% |
| CHARLOTTE PETERSON3 | 15821 TELGE ROAD CYPRESS, TX 77429 | AFLAC | $108 | $0 | $108 | 1.13% |
| ANGELA RICHARDS3 | PO BOX 772755 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $75 | $0 | $75 | 0.79% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 7807 EAST PEAKVIEW AVENUE GREENWOOD VILLAGE, CO 80111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $699 | $0 | $699 | — |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $615 | $0 | $615 | — |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 350 | $1.0M |
| Dental(2 contracts, 2 carriers) | BETA HEALTH | 240 | $10K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 251 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $118K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $118K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $118K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 350 | $1.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.