| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 401 NORWALK, CT 068541713 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $59K | $5K | $64K | 1.73% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | DELTA DENTAL OF MASSACHUSETTS | $8K | — | $8K | 2.97% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | DELTA DENTAL OF MASSACHUSETTS | $2K | — | $2K | 0.67% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.95% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.36% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 465 | $3.7M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 371 | $278K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $229K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $229K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $229K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.