| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC | — | GUARDIAN | $0 | $8K | $8K | 3.22% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD STE100 SCOTTSDALE, AZ 85254 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 9.56% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $877 | $877 | 5.00% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS AMERICA INS. CORP. | 133 | $717K |
| Dental | DELTA DENTAL OF COLORADO | 407 | $124K |
| Vision | EYEMED VISION CARE | 390 | $26K |
| Life insurance | GUARDIAN | 141 | $235K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 141 | $253K |
| Long-term disability | GUARDIAN | 141 | $235K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 141 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.