| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 383 MAIN AVENUE SUITE 502 NORWALK, CT 06851 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $40K | $43K | 3.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA SYLVIA GROUP | 500 FAUNCE CORNER RD. BLDG 100, STE 120 DARTMOUTH, MA 02747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $29K | $32K | 2.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $211 | $2K | 11.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $187 | $187 | 1.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $121 | $2K | 15.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $150 | $150 | 0.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $36 | $1K | 20.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.97% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $16K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.