| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 8.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | PRINCIPAL LIFE INSURANCE COMPANY | $616 | $0 | $616 | 0.50% |
| DIANE DIPPOLITI3 | 54890 WALNUT DRIVE NEW HUDSON, MI 48165 | AFLAC | $5K | $599 | $5K | 7.12% |
| RONALD DASHKOVITZ AND OTHER AGENTS3 | 139 WEST LAKE LANSING ROAD SUITE 200 EAST LANSING, MI 48823 | AFLAC | $1K | $22 | $1K | 1.75% |
| STEPHEN GRACIN3 | 625 EAST BIG BEAVER ROAD, SUITE 103 TROY, MI 48083 | AFLAC | $871 | $136 | $1K | 1.37% |
| KIMBERLY VALICENTO3 | 18620 BAINBRIDGE AVENUE LIVONIA, MI 48152 | AFLAC | $791 | $123 | $914 | 1.25% |
| MONTANA TOMPKINS3 | 3615 CALLIHAN COURT LANSING, MI 48910 | AFLAC | $659 | $92 | $751 | 1.02% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $289 | — | $289 | 0.39% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $265 | $0 | $265 | 0.36% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 150 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $123K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $123K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $123K |
| Short-term disability | AFLAC | 59 | $73K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 150 | $1.0M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.