| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER ST STAMFORD, CT 06905 | HARVARD PILGRIM HEALTH CARE | $36K | $6K | $42K | 2.45% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA SYLVIA GROUP | 500 FAUNCE CORNER RD. BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.23% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $697 | $697 | 1.41% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER ST STAMFORD, CT 06905 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 6.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA SYLVIA GROUP | 500 FAUNCE CORNER RD. BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $745 | $3K | 11.64% |
| BENEFIT ADVISORS NETWORK LLC | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $313 | $313 | 1.40% |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 231 | $1.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 171 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $50K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 409 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.