| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 7956 STOCKTON, CA 95267 | AETNA HEALTH, INC. | $106K | $0 | $106K | 4.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE COMPANY | $56K | $9K | $65K | 7.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | AETNA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | $0 | $26K | 5.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $12K | $37K | 17.96% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 5.84% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.03% |
| ENROLLEASE3 Filed as: ENROLLEASE, LLC. | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | $0 | $277 | 3.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | $0 | $97 | 1.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $505 | $0 | $505 | 16.89% |
| ENROLLEASE3 Filed as: ENROLLEASE, LLC. | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 3.01% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.54% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3659 GREEN ROAD SUITE 322-8 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $19 | $19 | 0.64% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 598 | $3.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 598 | $822K |
| Vision | AETNA LIFE INSURANCE COMPANY | 598 | $822K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $210K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $210K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $207K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 598 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.