| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.58% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.69% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $806 | $7K | 14.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | HIGHMARK INC | $1K | — | $1K | 2.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | $698 | $3K | 13.20% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $599 | $599 | 2.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OMAHA LIFE INSURANCE COMPANY | $2K | $518 | $2K | 19.50% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 3.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 2,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 510 | $159K |
| Vision | HIGHMARK INC | 418 | $42K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 1,874 | $57K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 77 | $12K |
| Other(5 contracts, 2 carriers) | UNITED OMAHA LIFE INSURANCE COMPANY | 1,874 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,874 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.