| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 17747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.97% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 383 MAIN AVE SUITE 408 NORWALK, CT 06851 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $9K | $14K | 3.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.63% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 383 MAIN AVE SUITE 408 NORWALK, CT 06851 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 5.31% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH SUITE 500 MELVILLE, NY 17747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $728 | $728 | 0.51% |
| HP PLANNING LLC3 | 383 MAIN AVE SUITE 408 NORWALK, CT 06851 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $4K | $9K | 7.16% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP, | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 17747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.89% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 383 MAIN AVE SUITE 408 NORWALK, CT 06851 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.98% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 17747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $439 | $439 | 0.51% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 687 | $377K |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 543 | $265K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 512 | $86K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 687 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.