| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD RD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $10K | $16K | 17.59% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $2K | — | $2K | 6.57% |
| LINDSAY A LIJEWSKI3 | 6500 S QUEBEC ST STE 250 CENTENNIAL, CO 80111 | AFLAC | $369 | $40 | $409 | 1.51% |
| REGINA K SANTANGELO3 | 6892 S WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $329 | $40 | $369 | 1.36% |
| GCG FINANCIAL LLC3 | 3401 QUEBEC ST STE 8000 DENVER, CA 80207 | AFLAC | $301 | — | $301 | 1.11% |
| ANGELA RAE RICHARDS3 | 7550 KING ST WESTMINISTER, CO 80030 | AFLAC | $135 | $100 | $235 | 0.87% |
| CHARLOTTE PETERSON3 Filed as: CHARLOTTE COATON PETERSON | 15821 TELGE RD CYPRESS, TX 77429 | AFLAC | $218 | — | $218 | 0.80% |
| GARRETT DITCHKUS IANNUZZI3 | 910 EVERETT ST LAKEWOOD, CO 80215 | AFLAC | $78 | $100 | $178 | 0.66% |
| DAYTON LLC3 | 5445 OTC PARKWAY SUITE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $173 | — | $173 | 0.64% |
| BRITTANY ANN BUCKLEY3 | PO BOX 1786 IDAHO SPRINGS, CO 80452 | AFLAC | $84 | — | $84 | 0.31% |
| LARMON M PESCHKA3 | 16748 E SMOKY HILL RD UNIT 9C AURORA, CO 80015 | AFLAC | $57 | — | $57 | 0.21% |
| LINDA M WALLACE-PESCHKA3 | 16748 E SMOKY HILL RD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $31 | — | $31 | 0.11% |
| JODY L EBERHARDT3 | 8621 EXECUTIVE WOODS DR APT 177 LINCOLN, NE 68512 | AFLAC | $30 | — | $30 | 0.11% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $13 | — | $13 | 0.05% |
| LEXTOR CORPORATION3 | 7290 EAGLE ROCK DR LITTLETON, CO 80125 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN P THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CA 80016 | AFLAC | $3 | — | $3 | 0.01% |
| JOSE DE LOS SANTOS III3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $3 | — | $3 | 0.01% |
| LEXTOR CORPORATION3 | 600 W COUNTY LINE RD APT 15-202 HIGHLANDS RANCH, CO 80129 | AFLAC | $2 | — | $2 | 0.01% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| LAWRENCE A ELMORE3 | PO BOX 244 MORRISON, CO 80465 | AFLAC | $1 | — | $1 | 0.00% |
| TANYA L MARTINSON3 | 6395 S KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.46% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $869 | $869 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BETA HEALTH | $834 | — | $834 | 7.60% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $556 | — | $556 | 13.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $206 | $206 | 4.99% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $103K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $92K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $30K |
| Other(3 contracts, 2 carriers) | AFLAC | 179 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.