| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.14% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 19.21% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 17.99% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.08% |
| N.E. EMPLOYEE BENEFITS COMPANY3 Filed as: N.E. EMPLOYEE BENEFITS CO INC | 15 CHENELL DRIVE CONCORD, NH 03301 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 10.07% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC/CSONE BENEFIT | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $206 | — | $206 | 1.51% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RED TREE INSURANCE COMPANY, INC. | 210 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.