| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WHIPPLE & COMPANY, AN ALERA | GROUP AGENCY, LLC 6100 GLADES RD STE 310 BOCA RATON, FL 334344372 | BLUE CROSS BLUE SHIELD OF FLORIDA | $77K | — | $77K | 3.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | -$127 | $8K | 0.69% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $13K | — | $13K | 2.30% |
| LAURIE WINSTON3 | 1122 S. MAIN STREET SUITE B GREENVILLE, SC 29601 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $10K | — | $10K | 2.08% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.22% |
| GCG FINANCIAL LLC3 Filed as: WHIPPLE & COMPANY, AN ALERA | GROUP AGENCY, LLC 6100 GLADES RD STE 310 BOCA RATON, FL 334344372 | FLORIDA COMBINED LIFE | $4K | — | $4K | 3.03% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121525 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE & COMPANY, AN | ALERA GROUP AGENCY, LLC 6100 GLADES RD STE 310 BOCA RATON, FL 33434 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $178 | — | $178 | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $458 | — | $458 | 25.00% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 804 | $5.0M |
| Dental(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 804 | $2.5M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 804 | $1.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 505 | $310K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $310K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $310K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 179 | $3.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 505 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.