| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | $27K | — | $27K | 4.96% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIRST UNUM LIFE INS CO | $16K | $1K | $17K | 13.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | FIRST UNUM LIFE INS CO | $3K | $238 | $3K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS, AN ALERA | 177 MILK STREET 3RD FLOORT BOSTON, MA 02109 | FIRST UNUM LIFE INS CO | $11K | $878 | $11K | 16.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | FIRST UNUM LIFE INS CO | $4 | — | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE STE 401 BOSTON, MA 02199 | FIRST UNUM LIFE INS CO | $21K | $2K | $23K | 37.62% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIRST UNUM LIFE INS CO | $3K | — | $3K | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | FIRST UNUM LIFE INS CO | $7 | — | $7 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIRST UNUM LIFE INS CO | $2K | $404 | $3K | 7.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | FIRST UNUM LIFE INS CO | $600 | — | $600 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | FIRST UNUM LIFE INS CO | — | $75 | $75 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | FIRST UNUM LIFE INS CO | $1K | $89 | $1K | 14.69% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIRST UNUM LIFE INS CO | $114 | $9 | $123 | 1.56% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | CIGNA DENTAL HEALTH OF COLORADO INC. | $25 | — | $25 | 4.99% |
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 | 1,511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILATES | 826 | $548K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 815 | $73K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INS CO | 274 | $109K |
| Short-term disability | FIRST UNUM LIFE INS CO | 237 | $127K |
| Long-term disability | FIRST UNUM LIFE INS CO | 0 | $8K |
| Other(2 contracts) | FIRST UNUM LIFE INS CO | 569 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.