| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | UNKNOWN BRIDGEWATER, MA 02324 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $44K | $8K | $53K | 2.23% |
| 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 | $6K | $765 | $7K | 10.36% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $638 | $638 | 1.01% |
| 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 | $6K | $0 | $6K | 9.21% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $787 | $787 | 1.25% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER ROAD SUITE 120 NORTH DARTMOUTH, MA 02747 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.13% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 269 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 269 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $11K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $126K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $126K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.