| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | $0 | $73K | 8.97% |
| GCG FINANCIAL LLC3 Filed as: FCA INSURANCE AN ALERA GROUP AGENCY | 200 BRCADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | $0 | $7K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 4.36% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 117471174 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $0 | $6K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 4.40% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 3.00% |
| SYNOLO LLC3 | 24 SEIR HILL RD NORWALK, CT 06850 | COMBINED INSURANCE | $5K | $0 | $5K | 14.03% |
| ACRISURE LLC3 Filed as: FOA & SONS CORP | 122 E 42ND STREET 46 FLOOR NEW YORK, NY 101681016 | COMBINED INSURANCE | $2K | $0 | $2K | 5.06% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 7.49% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 4.51% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 3.00% |
| ACRISURE LLC3 Filed as: FOA & SONS CORP - NEW YORK,NY | 122 E 42ND STREET 46 FLOOR NEW YORK, NY 10168 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.03% |
| GCG FINANCIAL LLC3 Filed as: FOA INSURANCE AN ALERA GROUP AGENCY | 200 BROADHOLLOW RD STE 410 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 9.63% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $952 | $952 | 4.51% |
| SYNOLO LLC3 | 25 SEIR HILL RD NORWALK, CT 06850 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $422 | $422 | 2.00% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $815K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $815K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 252 | $21K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 286 | $63K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 286 | $36K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 86 | $44K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE | 286 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.