| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MASS3 Filed as: BLUE BENEFIT ADMINISTRATORS OF MAS | P.O. BOX 55917 BOSTON, MA 02205 | NA SPECIALTY INS. (SWISS RE) | — | $114K | $114K | 29.76% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | NA SPECIALTY INS. (SWISS RE) | $43K | — | $43K | 11.11% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $714 | $2K | 8.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $926 | — | $926 | 3.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $496 | $496 | 1.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $415 | $2K | 8.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $731 | — | $731 | 3.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $319 | $319 | 1.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $320 | $2K | 9.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $246 | $246 | 1.31% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | EYEMED | $1K | — | $1K | 7.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA SYLVIA GROUP | 500 FAUNCE CORNER RD, BUILDING 100 DARTMOUTH, MD 02747 | EYEMED | $229 | — | $229 | 1.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA SYLVIA GROUP | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $372 | $94 | $466 | 13.14% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $160 | — | $160 | 4.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $72 | $72 | 2.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HRC TOTAL SOLUTIONS TAX EIN 30-0041952 ADMINISTRATIVE FEE,CLAIM | Contract Administrator; Claims processing Service code 12 | — | $205K |
| BLUE BENEFIT ADMINISTRATORS OF MASS EIN 27-1502067 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NA SPECIALTY INS. (SWISS RE) | 100 | $384K |
| Vision | EYEMED | 168 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $29K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 194 | $79K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $19K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.