| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | KAISER FOUNDATION HEALTH PLAN, INC. | $134K | $0 | $134K | 4.64% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $56K | $0 | $56K | 4.74% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | AETNA LIFE INSURANCE COMPANY | $44K | $1K | $46K | 5.16% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | $0 | $53K | 8.96% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | BLUE CROSS BLUE SHIELD OF ARIZONA | $24K | $0 | $24K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | AETNA HEALTH, INC. | $17K | $0 | $17K | 4.86% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $189 | $189 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP, LLC. | 8182 MARYLAND AVENUE SUITE 250 SAINT LOUIS, MO 63105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 9.78% |
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 | 2,286 | 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) | 2,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 348 | $5.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 464 | $593K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 835 | $64K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,286 | $215K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,286 | $215K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,286 | $215K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 69 | $1.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,286 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.