| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $768 | $768 | 1.20% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | 1 WASHINGTON MALL SUITE 800 BOSTON, MA 02108 | VISION SERVICE PLAN INSURANCE | $3K | — | $3K | 7.49% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 500 FAUNCE CORNER ROAD BUILDING 100 SUITE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $173 | $173 | 1.26% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $682 | $682 | 7.00% |
| MASSACHUSETTS FINANCIAL SERVICES IN3 | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $487 | $53 | $540 | 5.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | ZURICH AMERICAN INSURANCE COMPANY | $504 | — | $504 | 14.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | — | $176 | 11.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $21 | $21 | 1.31% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN INSURANCE | 180 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $112K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $2K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 253 | $64K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.