| 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 | $97K | — | $97K | 1.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $73K | $36K | $109K | 1.86% |
| 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 | $5K | $15K | 5.38% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $4K | $35K | 18.00% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.49% |
| NEESENROLL5 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| KEVIN MURPHY3 Filed as: KEVIN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $851 | — | $851 | 0.74% |
| DWIGHT L PIERCE3 | 1200 E TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 0.18% |
| NATIONAL ENROLLMENT PARTNERS LLC5 | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $174 | $174 | 0.15% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $112 | $112 | 0.10% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.10% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.65% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET STE 310 BOSTON, MA 02019 | UNUM INSURANCE COMPANY | $2K | $178 | $2K | 11.83% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.82% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $2K | $188 | $2K | 11.80% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 17.61% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET STE 310 BOSTON, MA 02109 | UNUM INSURANCE COMPANY | $2K | $162 | $2K | 11.85% |
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 | 1,149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MASS GENERAL BRIGHAM HEALTH PLAN | 518 | $13.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 941 | $73K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $594K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 241 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $284K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,149 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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."
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.