| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $42K | $13K | $55K | 3.39% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 06108 | HARTFORD LIFE AND ACCIDENT | $0 | $494 | $494 | 7.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | HARTFORD LIFE AND ACCIDENT | $463 | $0 | $463 | 6.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 500 FAUNCE CORNER BLDG 100 SUITE 120 NORTH DARTMOUTH, MA 02747 | HARTFORD LIFE AND ACCIDENT | $242 | $0 | $242 | 3.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $82 | $82 | 1.16% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 190 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 190 | $1.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 190 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 175 | $7K |
| Other | HARTFORD LIFE AND ACCIDENT | 175 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.