| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $436K | $12K | $448K | 4.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH DEERFIELD, IL 60015 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH DEERFIELD, IL 60015 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $216 | $216 | 0.77% |
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 | 865 | 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) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,041 | $10.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,041 | $10.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,041 | $10.5M |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 865 | $686K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 865 | $686K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 865 | $686K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,041 | $10.5M |
| Other(2 contracts) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 865 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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.