| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE.2 EAST WINDHAM, NH 03087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $254K | $254K | 3.74% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE.2 EAST WINDHAM, NH 03087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 2.01% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS AN ALERA GROUP... | 183 ROCKINGHAM ROAD 2 EAST WINDHAM, NH 03087 | ANTHEM LIFE INSURANCE COMPANY | $29K | — | $29K | 10.88% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP.. | 183 ROCKINGHAM RD WINDHAM, NH 03087 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.23% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP.. | 183 ROCKINGHAM RD WINDHAM, NH 03087 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.82% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $27K | $1K | $28K | 26.63% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE 2 EAST WINDHAM, NH 03087 | VISION SERVICE PLAN | $2K | — | $2K | 3.19% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CENTER SUITE 560 NEWTON, MA 02458 | METLIFE LEGAL PLANS | $3K | $227 | $3K | 10.86% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $5K | — | $5K | 18.85% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 EAST WINDHAM, NH 03087 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $6K | — | $6K | 40.25% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $3K | — | $3K | 19.22% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 674 | $7.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 788 | $492K |
| Vision | VISION SERVICE PLAN | 460 | $66K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 550 | $264K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 550 | $279K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 550 | $264K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 674 | $7.0M |
| Other | METLIFE LEGAL PLANS | 91 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.