| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA GRO | 1001 ELM ST STE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | $77K | — | $77K | 2.50% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | $14K | — | $14K | 0.47% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | $9K | — | $9K | 0.28% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA GRO | 1001 ELM ST STE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | $6K | — | $6K | 3.76% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP A | 183 ROCKINGHAM ROAD WINDHAM, NH 03087 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | $517 | — | $517 | 0.34% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA GR | 1001 ELM ST STE 301 MANCHESTER, NH 031011845 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 17.82% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA GR | 1001 ELM ST STE 301 MANCHESTER, NH 031011845 | VISION SERVICE PLAN | $2K | — | $2K | 6.90% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $127 | — | $127 | 0.54% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS INC, AN ALERA GRO | 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | VISION SERVICE PLAN | $75 | — | $75 | 0.32% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | 259 | $3.1M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | 246 | $150K |
| Vision | VISION SERVICE PLAN | 119 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 248 | $128K |
| Other(2 contracts, 2 carriers) | HRC TOTAL SOLUTIONS | 259 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.