| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. STE 120 N DARTMOUTH, MA 02747 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $0 | $40K | 3.07% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA AGENCY | 500 FAUNCE CORNER RD. DARTMOUT, MA 02747 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 6.14% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. BLDG 100 STE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD | $3K | $0 | $3K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD | $0 | $212 | $212 | 1.23% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. STE 120 DARTMOUTH, MA 02747 | VISION SERVICE PLAN | $946 | $0 | $946 | 6.10% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD BLDG 100 STE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | $0 | $177 | 1.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $147 | $147 | 1.25% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.3M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 182 | $70K |
| Vision | VISION SERVICE PLAN | 81 | $16K |
| Life insurance | RELIANCE STANDARD | 153 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $12K |
| Other | RELIANCE STANDARD | 153 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.