| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 400 COLUMBUS AVE VALHALLA, NY 105951359 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 1.90% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $6K | $12K | 9.04% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE RD # 210 MELVILLE, NY 117472357 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.15% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 8.04% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE ROAD STE 210 MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 7.11% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 5.05% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN RD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $6K | 8.70% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE RD #210 MELVILLE, NY 117472357 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $769 | $769 | 1.06% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $4K | $7K | 10.40% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE RD #210 MELVILLE, NY 117472357 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.54% |
| ACRISURE LLC3 Filed as: FOA & SON CORPORATION | 68 S SERVICE RD #210 MELVILLE, NY 117472357 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $495 | $405 | $900 | 9.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $116 | $116 | 1.17% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $440K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $440K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $440K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $138K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $66K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $73K |
| Other(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 379 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.