| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLLVIA GROUP | 500 FAUNCE CORNER ROAD BLDG 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $6K | $15K | 2.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLLVIA GROUP | 500 FAUNCE CORNER ROAD BLDG 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $5K | $15K | 2.66% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLLVIA GROUP | 500 FAUNCE CORNER ROAD BLDG 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $5K | $11K | 2.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.80% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 06854 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 10.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLLVIA GROUP | 500 FAUNCE CORNER ROAD BLDG 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLLVIA GROUP | 500 FAUNCE CORNER ROAD BLDG 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $200 | $3K | 16.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $167 | $167 | 1.06% |
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 | 1,219 | 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) | 1,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,468 | $132K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,219 | $545K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,198 | $644K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,217 | $572K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,219 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,468 | — |
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.