| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | $1K | $19K | 11.60% |
| PROFEASSIONAL PENSION PLANS, INC3 | 10 RESEARCH WAY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $248 | $1K | 0.75% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $2K | $9K | 7.57% |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 176 | $114K |
| Vision | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 176 | $114K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $168K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $168K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $168K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 220 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.