| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $158K | $0 | $158K | 10.93% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $34K | $0 | $34K | 4.27% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | $47K | $131K | 24.30% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $13 | $23K | 14.14% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 13.43% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3000 LAKESIDE DRIVE, SUITE 200 S BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $0 | $213 | $213 | 0.65% |
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 | 3,337 | 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) | 3,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 239 | $803K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 7,843 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,728 | $160K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,293 | $538K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,293 | $538K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,293 | $538K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 239 | $803K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 7,843 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,728 | — |
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.