| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $393 | $6K | 14.22% |
| GCG FINANCIAL LLC3 | 6465 GREENWOOD PLAZA BLVD. SUITE 500 GREENWOOD VILLAGE, CO 80111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $206 | $4K | 18.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GCG FINANCIAL LLC INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 6465 GREENWOOD PLAZA BLVD SUITE 500 GREENWOOD VILLAGE, CO 80111 | $73K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Claims processing; Insurance services Service code 12 | — | $57K |
| CENTERSTONE INS AGCY & FIN SVCS INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | $28K |
| CIGNA | Other services; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $442K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $442K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $43K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $43K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $442K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.