| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | HARVARD PILGRIM HEALTH CARE | $29K | $0 | $29K | 2.10% |
| HP PLANNING LLC3 Filed as: HP PLANNING | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | $7K | $0 | $7K | 0.55% |
| BRIAN WALL3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | DOMINION NATIONAL | $3K | $0 | $3K | 3.41% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.65% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVI, NY 11747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEER, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $981 | $981 | 1.79% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 02061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.25% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVI, NY 11747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEER, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $759 | $759 | 1.83% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | AN ALERA GROUP 120 LONGWATER DRIVE #102 NORWELL, MA 02061 | EYEMED VISION CARE | $1K | $0 | $1K | 10.16% |
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 | 80 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 188 | $1.4M |
| Dental | DOMINION NATIONAL | 69 | $98K |
| Vision | EYEMED VISION CARE | 176 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.