| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $54K | — | $54K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $10K | — | $10K | 5.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 6.80% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 42.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 22.75% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICAITON LLC | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 42.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 22.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 3.00% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 33.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 19.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 192 BALLARD COURT SUITE 400 VIRGINIA BEACH, VA 23462 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 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 | 1,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 234 | $45K |
| Vision | VISION SERVICE PLAN | 882 | $191K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,235 | $294K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 335 | $113K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 344 | $118K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,455 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,455 | — |
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.