| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $592K | $0 | $592K | 9.96% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $527K | $347K | $874K | 25.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26K | $26K | 0.76% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $2K | $21K | 1.16% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $98K | $0 | $98K | 14.85% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | $0 | $5K | 1.47% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 6465 GREENWOOD PLAZA BOULEVARD SUITE 500 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $2K | $4K | 1.50% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $2K | $5K | 1.82% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 11.38% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | 3000 LAKESIDE DRIVE, SUITE 200 S BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | — | $152 | $152 | 0.08% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $984 | $21K | $21K | 19.90% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC | 3000 LAKESIDE DRIVE, SUITE 200 S BANNOCKBURN, IL 60015 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $869 | $800 | $2K | 1.67% |
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 | 12,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 264 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 12,377 | $5.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 11,893 | $657K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,699 | $3.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,699 | $3.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,699 | $3.4M |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 264 | $2.9M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 12,377 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,377 | — |
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.