| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $88K | $493 | $89K | 2.46% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $49K | $0 | $49K | 1.37% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3000 LAKESIDE DRIVE, SUITE 200 BANNOCKBURN, IL 60015 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $49 | $0 | $49 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $0 | $32K | 9.05% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUTIE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 5.82% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 621 | $3.6M |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 621 | $3.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $354K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $354K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $354K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 621 | $3.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.