| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 Filed as: THE HAUSER GROUP | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | $0 | $85K | 9.44% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 1.97% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 11.99% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.53% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.42% |
| HAUSER INC3 Filed as: HAUSER, INC. | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 6.99% |
| 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. | $676 | $0 | $676 | 2.17% |
| LINDSAY LIJEWSKI3 | 6025 SOUTH QUEBEC STREET, SUITE 360 ENGLEWOOD, CO 80111 | AFLAC | $2K | $43 | $2K | 5.30% |
| MJ INSURANCE3 Filed as: THOMAS DAYTON AND VARIOUS AGENTS | 8015 EAGLE ROAD LARKSPUR, CO 80118 | AFLAC | $542 | $23 | $565 | 1.83% |
| CHARLOTTE PETERSON3 | 15821 TELGE ROAD CYPRESS, TX 77429 | AFLAC | $246 | $0 | $246 | 0.80% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $236 | $0 | $236 | 0.77% |
| JULIA VOGEL3 | 10009 KEENAN STREET HIGHLANDS RANCH, CO 80130 | AFLAC | $150 | $79 | $229 | 0.74% |
| ANGELA RICHARDS3 | PO BOX 772755 STEAMBOAT SPRINGS, CO 80477 | AFLAC | $122 | $0 | $122 | 0.40% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | AFLAC | $115 | $0 | $115 | 0.37% |
| UNKNOWN3 | UNKNOWN AURORA, CO 80014 | BETA HEALTH | $2K | $0 | $2K | 9.57% |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 324 | $900K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 324 | $918K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 487 | $31K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $240K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $240K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $240K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 324 | $900K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.