| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 11.72% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 8.18% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERA GROUP LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 13.93% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM ST STE 301 MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.58% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERA GROUP AGENCY LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 14.13% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM ST STE 301 MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $953 | $953 | 0.59% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERA GROUP AGENCY LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 13.63% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM ST STE 301 MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $863 | $863 | 0.57% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERA GROUP AGENCY LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 12.78% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFIT | AN ALERA GROUP AGENCY LLC 1001 ELM ST STE 301 MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 8.60% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $520 | $520 | 0.54% |
| THE DBL CENTER LTD3 Filed as: DBL GENERAL AGCY | AN ALERA GROUP LLC 155 PINELAWN RD STE 102S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $728 | $728 | 11.96% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | AN ALERA GROUP AGENCY 1001 ELM ST. STE 301 MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $457 | $67 | $524 | 8.61% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $29 | $29 | 0.48% |
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 | 1,578 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,705 | $819K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,705 | $581K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,705 | $644K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,578 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,705 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.