| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA | 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE OF NE | $84K | — | $84K | 3.02% |
| HP PLANNING LLC3 | C/O CBP 1100 SUMMER STREET STAMFORD, CT 06905 | HARVARD PILGRIM HEALTH CARE OF NE | $11K | — | $11K | 0.38% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP | 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $7K | — | $7K | 4.07% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 0.99% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $14K | 21.90% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $836 | $10K | 21.91% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.66% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $932 | — | $932 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | VISION SERVICE PLAN | $1K | — | $1K | 5.03% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $55 | — | $55 | 0.22% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE | 288 | $2.8M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 157 | $183K |
| Vision | VISION SERVICE PLAN | 123 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $44K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.