| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS OF NE3 Filed as: EMPLOYEE BENEFITS CONSULTANT OF NE | 359 LITTLETON RD STE 5 WESTFORD, MA 01886 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 1.91% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 1.36% |
| EMPLOYEE BENEFITS CONSULTANTS OF NE3 | 359 LITTLETON RD STE 5 WESTFORD, MA 01886 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | — | $5K | 1.92% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | — | $4K | 1.38% |
| EMPLOYEE BENEFITS CONSULTANTS OF NE3 | 359 LITTLETON RD WESTFORD, MA 01886 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 6.72% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 4.73% |
| EMPLOYEE BENEFITS CONSULTANTS OF NE3 Filed as: EMPLOYEE BENEFITS CONSULTANT OF NE | 359 LITTLETON RD STE 5 WESTFORD, MA 018864008 | VISION SERVICE PLAN | $1K | — | $1K | 2.83% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | VISION SERVICE PLAN | $917 | — | $917 | 2.54% |
| EMPLOYEE BENEFITS CONSULTANTS OF NE3 | 359 LITTLETON ROAD SUITE 5 WESTFORD, MA 01886 | METROPOLITAN GENERAL INSURANCE COMPANY | $355 | — | $355 | 6.26% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | METROPOLITAN GENERAL INSURANCE COMPANY | $213 | $13 | $226 | 3.98% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $4.0M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 496 | $261K |
| Vision | VISION SERVICE PLAN | 176 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $243K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $243K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.