| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $47K | $54K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 401 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $30K | $34K | 1.68% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | ATTN MICHEL WOLFF 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.28% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | ATTN MICHEL WOLFF 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $449 | $4K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $728 | $0 | $728 | 0.91% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | ATTN MICHEL WOLFF 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $385 | $3K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $487 | $0 | $487 | 0.79% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMPLOYEE BEN AN ALERA GRP | ATTN MICHEL WOLFF 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | $37 | $221 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | $0 | $68 | 1.28% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STE #200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $1K | $46 | $1K | 35.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $1K | $47 | $1K | 33.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS, A | 1918 RIVERSIDE DR LOS ANGELES, CA 90039 | UNUM INSURANCE COMPANY | $510 | $15 | $525 | 15.25% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST #200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $892 | $41 | $933 | 41.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS, A | 1918 RIVERSIDE DR LOS ANGELES, CA 90039 | UNUM INSURANCE COMPANY | $383 | $14 | $397 | 17.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM INSURANCE COMPANY | $27 | $1 | $28 | 1.24% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $30 | $483 | 63.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE | BENEFITS, AN ALERA GROUP AGENCY 1918 RIVERSIDE DR LOS ANGELES, CA 90039 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 25.53% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7 | $7 | 0.92% |
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 | 493 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $120K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.