| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.13% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 4.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $933 | $6K | 9.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $778 | $778 | 1.27% |
| 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 | $2K | — | $2K | 5.67% |
| 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 | $1K | $207 | $2K | 11.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $172 | $172 | 1.24% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $737 | $737 | 7.00% |
| MASSACHUSETTS BANKERS ASSOCIATION3 Filed as: MASSACHUSETTS FINANCIAL SERVICES IN | ONE WASHINGTON MALL 8TH FLOOR BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $526 | $56 | $582 | 5.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | ZURICH AMERICAN INSURANCE COMPANY | $755 | — | $755 | 15.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | $24 | $206 | 12.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20 | $20 | 1.21% |
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 | 254 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 43 | $11K |
| Vision | VISION SERVICE PLAN | 184 | $36K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $113K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 518 | $207K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $61K |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 270 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.