| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET STE 310 BOSTON, MA 02109 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | — | $6K | 4.90% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET STE 310 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 8.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.43% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | — | $270 | $270 | 0.45% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET SUITE 300 BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.77% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENFEIT PARTNERS AN ALERA | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 2 TRAP FALLS ROAD STE 350 SHELTON, CT 06484 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 3.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 520 CROMWELL AVE ROCKY HILL, CT 06067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2 TRAP FALLS ROAD SUITE 350 SHELTON, CT 06484 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 5.46% |
| BROWN & BROWN INSURANCE SERVICES3 | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 4.13% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 3.86% |
| BENFEIT ADVISORS NETWORK3 | 3659 GREEN ROAD STE 322-8 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $28 | $28 | 0.53% |
| BRYAN LAMBERT3 | 20 PARK PLAZA, STE. 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.15% |
| JAMES MOORADIAN3 | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.15% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 247 | $60K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 231 | $119K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 172 | $14K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $123K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $13K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $118K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.