| 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 | — | $4K | $4K | 0.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $14K | $3K | $17K | 7.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 5.08% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERA GROUP COMPANY 155 PINELAWN RD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $11K | $11K | 4.73% |
| SAVOY ASSOCIATES3 | 200 CONNELL DR STE 1000 BERKELEY HEIGHTDS, NJ 07922 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $658 | $658 | 0.29% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 15.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $314 | $7K | 5.71% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 E DYER LANE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $630 | $630 | 0.53% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METLIFE LEGAL PLANS | $5K | — | $5K | 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 | 657 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 570 | $414K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 570 | $414K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1 | $231K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1 | $231K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1 | $231K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTH CARE INSURANCE COMPANY | 657 | $351K |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 657 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.