| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFIT CO INC | 15 CHENELL DR CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 31.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.60% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 19.79% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.71% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $937 | $937 | 2.80% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFIT CO INC | 15 CHENELL DR CONCORD, NH 03301 | RED TREE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 9.97% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $194 | $0 | $194 | 1.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $636 | $2K | 15.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $283 | $61 | $344 | 12.16% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $30 | $30 | 1.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $420 | $163 | $583 | 20.84% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $82 | $82 | 2.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $224 | $109 | $333 | 14.87% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $54 | $54 | 2.41% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RED TREE INSURANCE COMPANY, INC. | 197 | $13K |
| Life insurance(4 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 244 | $120K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $57K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $36K |
| Other(4 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 244 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.