| 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 | $91K | — | $91K | 2.99% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE OF NE | $8K | — | $8K | 0.27% |
| 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. | $6K | $0 | $6K | 4.15% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $145 | $0 | $145 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $359 | $10K | 20.75% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 16.87% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $986 | — | $986 | 2.12% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $267 | $7K | 20.75% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA | 183 ROCKINGHAM RD UNIT 2 EAST WINDHAM, NH 03087 | VISION SERVICE PLAN | $1K | — | $1K | 4.80% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $108 | — | $108 | 0.46% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE | 270 | $3.1M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 247 | $157K |
| Vision | VISION SERVICE PLAN | 110 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $36K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
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.