| 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 | $306K | — | $306K | 1.20% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50K | $6K | $56K | 11.21% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.39% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $4K | $32K | 11.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.26% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02127 | VISION SERVICE PLAN | $3K | — | $3K | 2.20% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.31% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.09% |
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 | 1,536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 3,892 | $25.5M |
| Vision | VISION SERVICE PLAN | 1,532 | $150K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,523 | $496K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,536 | $275K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,523 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,892 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.