| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL GROUP, INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF FLORIDA | $91K | $0 | $91K | 3.59% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL GROUP, INC | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $5K | $27K | 12.23% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL GROUP, INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $790 | $18K | 10.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $914 | $914 | 0.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, RCP | 8182 MARYLAND AVENUE, SUITE 250 ST LOUIS, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$23 | $0 | -$23 | -0.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | -$919 | -$919 | -0.52% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 291 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $222K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $222K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $176K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $176K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 291 | $2.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.