| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORKDAY INC3 Filed as: WORKDAY, INC. | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 3.56% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 301 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.07% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.74% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 301 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.16% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET BOSTON, MA 02109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $6K | $36K | 47.70% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $12K | $15K | 19.79% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | $4K | $5K | 6.42% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 5.34% |
| PARKS BENEFITS & ENROLLMENT LLC3 Filed as: PARKS BENEFITS & ENROLLMENT, LLC | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $585 | $530 | $1K | 1.47% |
| STEPHEN CORRIVEAU3 Filed as: STEPHEN CORRIVEAU & OTHER AGENTS | 420 GRANGE ROAD NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $0 | $375 | 0.50% |
| COMPREHENSIVE INSURANCE PROVIDERS3 | 799 CAMBRIDGE STREET CAMBRIDGE, MA 02141 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.18% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | AMERITAS LIFE INSURANCE CORPORATION | $12K | $0 | $12K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $368 | $368 | 0.63% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.39% |
| WORKDAY INC3 Filed as: WORKDAY, INC. | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 301 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 2.10% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN, PA 19073 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS | 177 MILK STREET, FLOOR 3 BOSTON, MA 02109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 500 FAUNCE CORNER ROAD BUILDING 100, SUITE 120 DARTMOUTH, MA 02747 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 14.83% |
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 | 1,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 660 | $59K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,503 | $71K |
| Life insurance(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 741 | $338K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 223 | $159K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 412 | $127K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 741 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,503 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.