| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 415 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $121K | $25K | $146K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS, AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.76% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.99% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.49% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.12% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.26% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 530 | $4.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 290 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $140K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $154K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $67K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 321 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.