| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALBERA GROUP, INC. | 8 NORTH KING STREET SUITE 1 NORTHAMPTON, MA 01060 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 14.43% |
| GCG FINANCIAL LLC3 Filed as: ALBERA GROUP, INC. | 8 NORTH KING STREET SUITE 1 NORTHAMPTON, MA 01060 | THE GUARDIAN LIFE INSURANCE CO | — | $2K | $2K | 4.15% |
| WEBBER & GRINNELL EMPLOYEE BENEFITS3 Filed as: WEBBER AND GRINNELL EMPLOYEE B | 8 NORTH KING STREET SUITE 1 NORTHAMPTON, MA 01060 | THE GUARDIAN LIFE INSURANCE CO | $2K | — | $2K | 3.66% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE CO | 154 | $43K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 191 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO | 154 | $43K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 191 | $106K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 191 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.