| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | ONE MONARCH PLACE SUITE 1500 SPRINGFIELD, MA 01101 | HEALTH NEW ENGLAND, INC. | $7K | $0 | $7K | 0.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | $1K | $3K | 5.40% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUNLIFE ASSURANCE COMPANY OF CANADA | $494 | $0 | $494 | 1.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $783 | $3K | 14.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA WEBBER GRINNELL | 98 LOWER WESTFIELD RD HOLYOKE, MA 01040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $485 | $0 | $485 | 2.49% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD STE 120 NORTH DARTMOUTH, MA 02747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $249 | $0 | $249 | 1.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $736 | $2K | 11.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA WEBBER GRINNELL | 98 LOWER WESTFIELD RD HOLYOKE, MA 01040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $304 | $0 | $304 | 1.66% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD STE 120 NORTH DARTMOUTH, MA 02747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $156 | $0 | $156 | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $660 | $2K | 11.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA WEBBER GRINNEL | 98 LOWER WESTFIELD RD HOLYOKE, MA 01040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $273 | $0 | $273 | 1.66% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD STE 120 NORTH DARTMOUTH, MA 02747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $882 | $0 | $882 | 9.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $445 | $2K | 17.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA WEBBER GRINNELL | 98 LOWER WESTFIELD RD HOLYOKE, MA 01040 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $224 | $0 | $224 | 2.54% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD STE 120 NORTH DARTMOUTH, MA 02747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.36% |
| USI INSURANCE SERVICES LLC3 | — | EMPLOYEE ASSISTANCE GROUP | $227 | $0 | $227 | 5.01% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 75 | $1.3M |
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 84 | $49K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 106 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $19K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 75 | $1.3M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.