| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAL & ASSOC INC.3 Filed as: LEAL & ASSOCIATES INC. | 57 E DELAWARE PL APT 3103 CHICAGO, IL 60611 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $51K | $51K | 3.66% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGCY INC | 500 FAUNCE CORNER RD STE 120 BLDG 100 DARTMOUTH, MA 02747 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $32K | $49K | 3.53% |
| LEAL & ASSOC INC.3 Filed as: LEAL & ASSOCIATION INC | 57 E DELAWARE PL APT 3103 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 7.90% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGENCY | 500 FAUNCE CORNER RD BLDG 100 STE 120 NORTH DARTMOUTH, MA 02747 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.61% |
| LEAL & ASSOC INC.3 | 57 E DELAWARE PL APT 3103 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.58% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA & COMPANY INSURANCE AGCY INC | 500 FAUNCE CORNER RD BLDG 100 STE 120 DARTMOUTH, MA 02747 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.45% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.