| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC.- MA | $40K | $0 | $40K | 3.40% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $12K | $0 | $12K | 3.54% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 7.07% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | — | $3K | 4.54% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $428 | $0 | $428 | 0.77% |
| 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 | $357 | $8K | 15.75% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM INSURANCE COMPANY | $529 | $22 | $551 | 9.18% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $544 | $0 | $544 | 9.10% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $82 | $0 | $82 | 1.37% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC.- MA | 212 | $1.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 122 | $56K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 102 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $139K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC.- MA | 212 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
No prospect flags tripped on this filing.