| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 8 NORTH KING STREET NORTHAMPTON, MA 01060 | UNIMERICA INSURANCE COMPANY | — | $12K | $12K | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAPIER DILLON AND ASSOCIATES PC EIN 32-0048525 AUDITORS | Accounting (including auditing) Service code 10 | — | $44K |
| CARLEY GUILBERT PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 86 LOWER WESTFIELD ROAD HOLYOKE, MA 01040 | $21K |
| BARBARA WILLET ADM ASSISTANT | Other fees Service code 99 | 86 LOWER WESTFIELD ROAD HOLYOKE, MA 01040 | $19K |
| KRAKOW SOURIS AND LANDRY LAWYERS | Legal Service code 29 | 90 CANAL STREET 4TH FLOOR BOSTON, MA 02214 | $8K |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 815 | $487K |
| Dental | DELTA DENTAL | 831 | $0 |
| Other | THE UNION LABOR LIFE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 831 | — |
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.