| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $11K | $52K | 3.11% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 15.10% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY DBA ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 9.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $371 | $3K | 18.85% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY DBA ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 9.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM INSURANCE COMPANY | $1K | $215 | $2K | 17.51% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY DBA ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | $0 | $429 | $429 | 5.00% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM INSURANCE COMPANY | $983 | $164 | $1K | 17.51% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY DBA ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | $0 | $328 | $328 | 5.01% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DR NORWELL, MA 02061 | UNUM INSURANCE COMPANY | $948 | $160 | $1K | 17.53% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY DBA ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | $0 | $316 | $316 | 5.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 168 | $1.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $58K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $43K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.