| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 13.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | AND FINANCIAL SERVICES 12404 PARK CENTRAL DRIVE STE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 5.30% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $974 | $12K | 11.01% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| BETA HEALTH ASSOCIATION3 | 6200 S SYRACUSE WAY STE 460 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $2K | $2K | $4K | 7.84% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF COLORADO | $4K | — | $4K | 6.86% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $1K | — | $1K | 9.15% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | SUN LIFE ASSURANCE COMPANY OF CANADA | $713 | — | $713 | 9.13% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | BETA HEALTH | $477 | — | $477 | 7.61% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $197K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 170 | $60K |
| Vision | EYEMED VISION CARE | 148 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $109K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.