| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 401 NORWALK, CT 068541713 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $70K | $32K | $103K | 1.65% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PART AN ALERA GRP AG | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.08% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 566 | $6.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 566 | $6.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 435 | $35K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $257K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $257K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $257K |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.