| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SYLVIA & CO | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $21K | $2K | $23K | 1.64% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $13K | — | $13K | 0.92% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD BUILDING 100, SUITE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1 | $4K | 10.77% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD BUILDING 100, SUITE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $940 | — | $940 | 11.00% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGENCY | 500 FAUNCE CORNER ROAD SUITE 120 BUILDING 100 DARTMOUTH, MA 02747 | UNITEDHEALTHCARE INSURANCE COMPANY | $359 | — | $359 | 7.51% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD SUITE 120 NORTH DARTMOUTH, MA 02747 | UNITEDHEALTHCARE INSURANCE COMPANY | $119 | — | $119 | 2.49% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 85 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 85 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 14 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $35K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.