| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | UNITEDHEALTH INSURANCE COMPANY | $73K | — | $73K | 1.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTH INSURANCE COMPANY | $42K | — | $42K | 0.80% |
| GAIL E HILLER-LEE3 Filed as: GAIL HILLER-LEE | — | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.67% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $825 | $825 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $597 | $597 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $560 | $560 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $412 | $412 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEIFELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $407 | $407 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $874 | — | $874 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $291 | $291 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $755 | — | $755 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $252 | $252 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $625 | — | $625 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $209 | $209 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $614 | — | $614 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $205 | $205 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $466 | — | $466 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $155 | $155 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $418 | — | $418 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $139 | $139 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIE INSURANCE COMPANY | $287 | — | $287 | 2.34% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIE INSURANCE COMPANY | $224 | — | $224 | 1.82% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA RAMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIE INSURANCE COMPANY | — | $176 | $176 | 1.43% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIE INSURANCE COMPANY | $162 | — | $162 | 1.32% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIE INSURANCE COMPANY | -$123 | — | -$123 | -1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $215 | — | $215 | 2.07% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $167 | — | $167 | 1.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $149 | $149 | 1.44% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $126 | — | $126 | 1.22% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$99 | — | -$99 | -0.95% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $140 | — | $140 | 2.10% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NC 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $109 | — | $109 | 1.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $95 | $95 | 1.43% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $76 | — | $76 | 1.14% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$59 | — | -$59 | -0.89% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $113 | — | $113 | 2.15% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $88 | — | $88 | 1.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $75 | $75 | 1.43% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $71 | — | $71 | 1.35% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$57 | — | -$57 | -1.09% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $127 | — | $127 | 3.01% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $42 | $42 | 0.99% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $53 | — | $53 | 2.98% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $18 | $18 | 1.01% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $49 | — | $49 | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $16 | $16 | 0.98% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $23 | — | $23 | 3.02% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8 | $8 | 1.05% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $23 | — | $23 | 3.06% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8 | $8 | 1.07% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $17 | — | $17 | 2.82% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $17 | — | $17 | 2.82% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $13 | — | $13 | 2.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9 | $9 | 1.49% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$15 | — | -$15 | -2.49% |
| GAIL E HILLER-LEE3 Filed as: GAIL A HILLER-LEE | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $6 | — | $6 | 3.31% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $5 | — | $5 | 2.76% |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $4 | — | $4 | 2.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3 | $3 | 1.66% |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$1 | -$1 | — |
| BERNARD A HILLER INC3 Filed as: BERNARD A HILLER | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | -$2 | — | -$2 | — |
| HILLER BERNARD A INC3 | 50 CHARLES LINDBERGH BOULEVARD STE UNIONDALE, NY 11553 | PRINCIPAL LIFE INSURANCE COMPANY | -$3 | — | -$3 | — |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | -$3 | — | -$3 | — |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | -$4 | — | -$4 | — |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTH INSURANCE COMPANY | 616 | $5.4M |
| Dental(7 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 116 | $292K |
| Vision(7 contracts, 2 carriers) | PRINCIPAL LIE INSURANCE COMPANY | 110 | $35K |
| Life insurance(10 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 140 | $228K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 217 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 217 | $195K |
| Other(10 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 140 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.