| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.83% |
| LINDSAY A LIJEWSKI3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1K | $80 | $1K | 8.51% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | AFLAC | $256 | — | $256 | 1.80% |
| DAYTON LLC3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $141 | $19 | $160 | 1.13% |
| CRAIG J RUZIKA3 | 1283 CRESSIDA COURT LAFAYETTE, CO 80026 | AFLAC | $150 | — | $150 | 1.06% |
| REGINA K SANTANGELO3 | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $114 | — | $114 | 0.80% |
| GCG FINANCIAL LLC3 | 3401 QUEBEC STREET SUITE 8000 DENVER, CO 80207 | AFLAC | $99 | — | $99 | 0.70% |
| CHARLOTTE PETERSON3 Filed as: CHARLOTTE COATON PETERSON | 15821 TELGE ROAD CYPRESS, TX 77429 | AFLAC | $83 | — | $83 | 0.58% |
| BRITTANY ANN BUCKLEY3 | PO BOX 1786 IDAHO SPRINGS, CO 80452 | AFLAC | $46 | — | $46 | 0.32% |
| ANGELA RAE RICHARDS3 | 7550 KING STREET WESTMINSTER, CO 80030 | AFLAC | $26 | — | $26 | 0.18% |
| LARMON M PESCHKA3 | 16748 EAST SMOKY HILL ROAD UNIT 9C AURORA, CO 80015 | AFLAC | $24 | — | $24 | 0.17% |
| LINDA M WALLACE-PESCHKA3 | 16748 EAST SMOKY HILL ROAD UNIT 9C CENTENNIAL, CO 80015 | AFLAC | $19 | — | $19 | 0.13% |
| JODY L EBERHARDT3 | 727 NORTH 155TH STREET OMAHA, NE 68154 | AFLAC | $14 | — | $14 | 0.10% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CREST ALPHARETTA, GA 30004 | AFLAC | $9 | — | $9 | 0.06% |
| JOSE DE LOS SANTOS III3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN P THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.01% |
| TINA WAY3 | 15550 EAST COPPER CREEK LANE PARKER, CO 80134 | AFLAC | $1 | — | $1 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BETA HEALTH | $364 | — | $364 | 7.59% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $134K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $129K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $129K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $129K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $129K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.