| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEEFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $65K | $94K | 2.98% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 13.51% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEEREFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.19% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $165 | $165 | 0.14% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $554 | $5K | 11.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $67 | $67 | 0.15% |
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 | 1,922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,021 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,021 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,021 | $3.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,266 | $137K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $118K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $45K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 2,266 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.