| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $586K | — | $586K | 2.97% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 | 120 LONGWATER DRIVE SUITE 102 NORWELL, MA 020611653 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $150K | $150K | 0.76% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $25K | $32K | 4.64% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $25K | $34K | 6.97% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $17K | $22K | 7.44% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | VISION SERVICE PLAN | $5K | — | $5K | 1.96% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $6K | $32K | 24.93% |
| COMMIT CONSULTING GROUP3 | 3001 MAPLE AVE SUITE 150 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 3.90% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $10K | 10.67% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $5K | $23K | 24.95% |
| COMMIT CONSULTING GROUP3 | 3001 MAPLE AVE SUITE 150 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 5.48% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $21K | 25.37% |
| COMMIT CONSULTING GROUP3 | 3001 MAPLE AVE SUITE 150 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 6.06% |
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 | 2,044 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,321 | $19.7M |
| Vision | VISION SERVICE PLAN | 1,542 | $257K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,044 | $688K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,044 | $298K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,044 | $485K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,044 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,044 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.