| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $10K | — | $10K | 2.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 1.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $759 | — | $759 | 2.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.46% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $792 | $792 | 3.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $531 | — | $531 | 7.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $66 | — | $66 | 3.00% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | UPMC HEALTH OPTIONS | 54 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $65K |
| Vision | VISION BENEFITS OF AMERICA | 108 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $34K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
No prospect flags tripped on this filing.