| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $63K | $18K | $81K | 4.62% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP, AN ALERA AGENCY | 500 FAUNCE CORNER RD. BLDG 100, SUITE 120 DARTMOUT, MA 02747 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 5.90% |
| 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 | $10K | $671 | $11K | 21.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $598 | $598 | 1.21% |
| 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 | $3K | $268 | $3K | 16.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $264 | $264 | 1.28% |
| 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 | $2K | $256 | $2K | 11.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $237 | $237 | 1.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 500 FAUNCE CORNER ROAD BUILDING 100 DARTMOUTH, MA 02747 | VISION SERVICE PLAN | $821 | $0 | $821 | 4.73% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. STE 120 DARTMOUTH, MA 02747 | VISION SERVICE PLAN | $461 | $0 | $461 | 2.66% |
| 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 | $214 | $186 | $400 | 2.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $198 | $198 | 1.39% |
| 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 | $511 | $40 | $551 | 16.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $39 | $39 | 1.15% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 150 | $1.8M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 167 | $80K |
| Vision | VISION SERVICE PLAN | 80 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $49K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.