| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 0.73% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.73% |
| HPHO INSURANCE AGENCY INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $15K | — | $15K | 5.50% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | GUARDIAN | $6K | — | $6K | 2.21% |
| LIVING LEGACY FINANCIAL GROUP3 | 35 VILLAGE ROAD MIDDLETON, MA 01949 | GUARDIAN | $236 | — | $236 | 0.08% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $919 | — | $919 | 0.73% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BNFTS ALERA GRP AGCY LLC | 183 ROCKINGHAM ROAD #2 EAST WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.55% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD #2 EAST WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.45% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BNFTS ALERA GRP AGCY LLC | 183 ROCKINGHAM ROAD #2 EAST WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | — | $523 | 0.74% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BNFTS ALERA GRP AGCY LLC | 183 ROCKINGHAM ROAD #2 EAST WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.75% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $928 | — | $928 | 1.34% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $166 | — | $166 | 0.73% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $0 | — | $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 | 604 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 425 | $4.4M |
| Dental | GUARDIAN | 288 | $282K |
| Vision | GUARDIAN | 288 | $282K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $69K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 366 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.