| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN INC | $35K | $0 | $35K | 4.06% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY | PO BOX 5086 OXNARD, CA 93031 | AETNA HEALTH OF CALIFORNIA INC | $32K | $0 | $32K | 5.02% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY | PO BOX 5086 OXNARD, CA 93031 | AETNA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 6.65% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $431 | $12K | 11.35% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $302 | $8K | 7.16% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY | PO BOX 5086 OXNARD, CA 93031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DRIVE, SUITE 81 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $554 | $554 | 3.00% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 338 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 338 | $479K |
| Vision | AETNA LIFE INSURANCE COMPANY | 338 | $479K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $106K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $106K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 338 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.