| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 1.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 0.94% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 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 | — | $3K | $3K | 1.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $328 | $328 | 0.12% |
| GAIL E HILLER-LEE3 Filed as: GAIL HILLER-LEE | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 4.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 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 | — | $1K | $1K | 1.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $330 | $330 | 0.23% |
| 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 | — | $686 | $686 | 1.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $160 | $160 | 0.23% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIE INSURANCE COMPANY | $282 | — | $282 | 2.03% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIE INSURANCE COMPANY | $219 | — | $219 | 1.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIE INSURANCE COMPANY | — | $99 | $99 | 0.71% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $223 | — | $223 | 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 | $174 | — | $174 | 1.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $74 | $74 | 0.71% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $129 | — | $129 | 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 | $100 | — | $100 | 1.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $43 | $43 | 0.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD SUITE 600 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $538 | $538 | 12.54% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $98 | — | $98 | 2.28% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $76 | — | $76 | 1.77% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $9 | — | $9 | 2.21% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $7 | — | $7 | 1.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3 | $3 | 0.74% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $11 | — | $11 | 4.51% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $8 | — | $8 | 3.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.82% |
| GAIL E HILLER-LEE3 Filed as: GAIL A HILLER-LEE | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $7 | — | $7 | 2.88% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP L | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $6 | — | $6 | 2.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.82% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 659 | $5.1M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 303 | $266K |
| Vision(7 contracts, 2 carriers) | PRINCIPAL LIE INSURANCE COMPANY | 127 | $35K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 361 | $213K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 285 | $193K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 285 | $193K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 361 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.