| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $165K | — | $165K | 6.00% |
| UMR, INC.3 Filed as: UMR,INC. | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 0.39% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $280K | — | $280K | 12.08% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $96K | $96K | 4.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $146K | — | $146K | 8.54% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $74K | $74K | 4.33% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $203K | — | $203K | 19.83% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $42K | $42K | 4.09% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.69% |
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 | 5,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 121 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE OF CALIFORNIA | 3,619 | $3.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 5,655 | $1.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,674 | $2.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,780 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,674 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.