| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 6465 GREENWOOD PLAZA BOULEVARD SUITE 500 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $88K | $506 | $88K | 5.35% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.50% |
| LINDSAY LIJEWSKI3 | 6025 SOUTH QUEBEC STREET, SUITE 360 ENGLEWOOD, CO 80111 | AFLAC | $2K | $188 | $3K | 7.76% |
| MJ INSURANCE3 Filed as: GINA WALI AND VARIOUS AGENTS | 404 ALABAMA HIGHWAY 69 NORTH CULLMAN, AL 35055 | AFLAC | $516 | $0 | $516 | 1.56% |
| ELIZABETH WETZEL3 | 872 AVENAL LANE DAVENPORT, FL 33837 | AFLAC | $177 | $123 | $300 | 0.91% |
| CHARLOTTE PETERSON3 | 15821 TELGE ROAD CYPRESS, TX 77429 | AFLAC | $297 | $0 | $297 | 0.90% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $263 | $0 | $263 | 0.79% |
| THOMAS DAYTON3 | 8015 EAGLE ROAD LARKSPUR, CO 80118 | AFLAC | $158 | $3 | $161 | 0.49% |
| ANGELA RICHARDS3 | PO BOX 772755 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $137 | $0 | $137 | 0.41% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | BETA HEALTH | $1K | $0 | $1K | 8.00% |
| 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. | $2K | $0 | $2K | — |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 292 | $1.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $258K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 160 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $241K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $241K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $241K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 292 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 313 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.