| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: FORUM AN ALERA GROUP COMPANY | 1122 S. MAIN STREET SUITE B GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $37K | $0 | $37K | 4.18% |
| ANTHONY P DELUCA3 | 67 WINDWATCH DRIVE HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.28% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK INC | 990 STEWART GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $998 | $0 | $998 | 1.03% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $9 | $9 | 0.01% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 111 | $985K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
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.