| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | AETNA LIFE INSURANCE CO. | $0 | $12K | $12K | 0.67% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 2.02% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $680 | $680 | 1.14% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.67% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 262 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 252 | $73K |
| Vision | VISION SERVICE PLAN | 142 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $60K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $60K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $60K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 262 | $1.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.