| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | BLUE CROSS OF CALIFORNIA | $115K | $0 | $115K | 5.11% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 4.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $165 | $33K | 10.05% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $21K | 19.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 6.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 17.38% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | -$152 | -$3K | -4.82% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC./BARKLEY | PO BOX 5086 OXNARD, CA 93031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 15.51% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $705 | $0 | $705 | 2.98% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $130 | $130 | 0.55% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$802 | -$95 | -$897 | -3.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC/BARKLEY ALERA INS | PO BOX 5086 OXNARD, CA 93031 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $887 | $0 | $887 | 10.00% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $177 | $177 | 1.99% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 462 | $2.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 590 | $335K |
| Vision | BLUE CROSS OF CALIFORNIA | 462 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $130K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $130K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $107K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 462 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 301 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.