| 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 | MASS GENERAL BRIGHAM HEALTH PLAN | $100K | — | $100K | 1.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $73K | $24K | $97K | 1.65% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 4.36% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $3K | $34K | 16.25% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.66% |
| NEESENROLL5 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $845 | — | $845 | 0.87% |
| NATIONAL ENROLLMENT PARTNERS LLC5 | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $231 | $231 | 0.24% |
| DWIGHT L PIERCE3 | 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.16% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3659 GREEN RD SUITE 322-8 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $154 | $154 | 0.16% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.73% |
| CONWAY, KEVIN3 Filed as: CONWAY KEVIN | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.00% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 12.68% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $2K | $221 | $3K | 10.95% |
| CONWAY, KEVIN3 Filed as: CONWAY KEVIN | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.84% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.85% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET STE 310 BOSTON, MA 02019 | UNUM INSURANCE COMPANY | $2K | $203 | $3K | 10.89% |
| CONWAY, KEVIN3 Filed as: CONWAY KEVIN | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.44% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 12.40% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $2K | $194 | $2K | 10.93% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $29 | $3K | 15.68% |
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 | 1,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MASS GENERAL BRIGHAM HEALTH PLAN | 774 | $13.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,005 | $77K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,179 | $635K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 201 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,179 | $330K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,179 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.