| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | — | BLUECROSS BLUESHIELD OF TEXAS | $43K | $1K | $44K | 5.69% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.71% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $347 | $4K | 21.92% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $872 | $4K | 25.24% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $708 | $4K | 24.56% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $518 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $391 | $1K | 21.04% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $958 | $431 | $1K | 21.76% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS INC | 800 E CAMPBELL RD STE 330 RICHARDSON, TX 75081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $804 | $220 | $1K | 25.47% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 150 | $771K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $54K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $18K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.