| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS, AN ALERA | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | HPHC JOINT VENTURE UHG | $89K | — | $89K | 0.44% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $2K | $26K | 1.60% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS, AN ALERA | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 0.52% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 10.00% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02127 | VISION SERVICE PLAN | $2K | — | $2K | 1.80% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
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 | 1,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 3,476 | $20.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,374 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,434 | $132K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,235 | $551K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,277 | $278K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,235 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,476 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.