| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GRFOUP, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | SYMETRA LIFE INSURANCE COMPANY | — | $85K | $85K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | $26K | $117K | 11.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $14K | $44K | 6.82% |
| ALERAGROUP INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WEST LAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INCINC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $6K | $46K | 22.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | VISION SERVICES PLAN | $3K | — | $3K | 1.96% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | VISION SERVICES PLAN | $1K | — | $1K | 0.86% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $6K | — | $6K | 4.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 4.31% |
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 | 1,797 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 61 | $707K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,065 | $650K |
| Vision | VISION SERVICES PLAN | 1,428 | $148K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,797 | $1.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,797 | $1.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,797 | $1.0M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,264 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 359 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,797 | — |
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.