| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 3.32% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 1.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAIPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 1.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $944 | — | $944 | 6.97% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $681 | — | $681 | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | — | $406 | 3.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $368 | $368 | 2.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $365 | $365 | 2.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $652 | — | $652 | 7.38% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $508 | — | $508 | 5.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $271 | $271 | 3.07% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $245 | $245 | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 1.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | BRIO BENEFIT CONSULTING INC 30 BROAD ST., 35TH FL NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $685 | $93 | $778 | 9.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | $10 | $390 | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN FL 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | $53 | $129 | 1.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE PARK 80 PLAZA 2 STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $364 | — | $364 | 6.72% |
| JASON PASTRAN)3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | — | $258 | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 3.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $177 | $177 | 3.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $126 | $126 | 2.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $865 | $475 | $1K | 28.40% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 27.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $570 | $303 | $873 | 30.16% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $819 | — | $819 | 28.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $472 | $214 | $686 | 30.13% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $579 | — | $579 | 25.43% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $582K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8 | $5K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.