| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $0 | $81K | $81K | 5.01% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.93% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.19% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $0 | $256 | $256 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GROUP | AGENCY LLC 1041 OLD CASSATT RD BERWYN, PA 193121152 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.99% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP AGY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 9.89% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | AGENCY LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.16% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.89% |
| IMA, INC.3 Filed as: IMA INC | 136 E SOUTH TEMPLE #2300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $420 | $750 | $1K | 5.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $208 | $208 | 1.05% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | METLIFE LEGAL PLANS | $794 | $44 | $838 | 17.31% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 244 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $113K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $112K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $112K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $112K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $112K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.