| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES INC | PO BOX 387 NEW RICHMOND, WI 54017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.95% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | 155 PINELAWN RD SUITE 120 S MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.54% |
| J A COUNTER & ASSOCIATES INC3 Filed as: JA COUNTER & ASSOCIATES | PO BOX 387 NEW RICHMOND, WI 54017 | WYSSTA INSURANCE COMPANY INC. | $822 | — | $822 | 7.98% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NE-NORWAL | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7 | — | $7 | 0.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NC 10004 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $6 | $6 | 0.77% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC. | 128 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $170K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $171K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $170K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 196 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.