| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | UNITEDHEALTHCARE INSURANCE COMPANY | $113K | — | $113K | 2.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 3.72% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 3.10% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | EYEMED VISION CARE | $5K | — | $5K | 9.93% |
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 | 853 | 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) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 806 | $5.7M |
| Vision | EYEMED VISION CARE | 662 | $46K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 853 | $556K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 853 | $556K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 853 | $556K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 853 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.