| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $174K | $71K | $244K | 2.81% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 7.10% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $9K | $23K | 5.80% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | EYEMED VISION CARE | $6K | — | $6K | 8.08% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENFIT PARTNERS AN ALERA | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $776 | $6K | 18.14% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD STE 120 S MELLVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 9.00% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $2K | $387 | $3K | 17.50% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN ROAD STE 120 S MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | — | $775 | $775 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $922 | $152 | $1K | 17.52% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN ROAD STE 120 S MELVILLE, NY 11747 | UNUM INSURANCE COMPANY | — | $308 | $308 | 5.03% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $269 | — | $269 | — |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $132 | $132 | — |
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 | 986 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 963 | $8.7M |
| Vision | EYEMED VISION CARE | 860 | $70K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $433K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $402K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $402K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.