| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | $0 | $5K | 4.29% |
| 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 | 12.60% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $305 | $305 | 0.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 15.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $346 | $346 | 0.83% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.83% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $223 | $223 | 0.83% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COMPA | 15 CHENELL DR CONCORD, NH 033018557 | AMERITAS LIFE INSURANCE CORP | $1K | $123 | $1K | 8.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 600152567 | AMERITAS LIFE INSURANCE CORP | $0 | $247 | $247 | 1.66% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 161 | $2.3M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 258 | $128K |
| Vision | AMERITAS LIFE INSURANCE CORP | 380 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $42K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.