| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $318K | $122K | $439K | 2.10% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS AN ALERA GROUP | AGENCY LLC 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | DELTA DENTAL OF NEW JERSEY, INC. | $51K | — | $51K | 4.31% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD STE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 14.06% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS AN ALERA GROUP | AGENCY LLC 183 ROCKINGHAM RD 2 EAST WINDHAM, NH 03087 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 9.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 24.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH EQUITY PROVIDER | Contract Administrator Service code 13 | 15 W SCENIC POINTE DRIVE STE 100 DRAPER, UT 84020 | $8K |
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 | 1,746 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,226 | $20.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 3,115 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,226 | $20.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $120K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,746 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.