| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $39K | $11K | $50K | 6.79% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $610 | $325 | $935 | 7.66% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $203 | $203 | 1.66% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC, BOON-CHAPMAN | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | -$51 | -$51 | -0.42% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | $112 | $466 | 6.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $70 | $70 | 1.00% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC, BOON-CHAPMAN | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | -$39 | -$39 | -0.55% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP | — | METROPOLITAN LIFE INSURANCE COMPANY | $690 | $0 | $690 | 10.00% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $843 | $0 | $843 | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $211 | $102 | $313 | 7.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $64 | $64 | 1.52% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $575 | $0 | $575 | 15.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | $50 | $242 | 6.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.81% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC, BOON-CHAPMAN | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | -$22 | -$22 | -0.58% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $740 | $0 | $740 | 20.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $185 | $0 | $185 | 5.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $44 | $44 | 1.19% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 35.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREE MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $161 | $31 | $192 | 6.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $39 | $39 | 1.22% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC, BOON-CHAPMAN | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | -$18 | -$18 | -0.56% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING CONSULTING | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | $0 | $75 | 15.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | $17 | $42 | 8.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $11 | $11 | 2.21% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 114 | $739K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 29 | $13K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $7K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.