| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 100 BROADWAY 21ST FL STE B NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $193K | $193K | 2.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAGUE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $147K | $147K | 2.00% |
| BRIO BENEFIT CONSULTING INC3 | 100 BROADWAY 21ST FL STE B NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $100K | $100K | 1.36% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUPPLANS INC | 225 WIRELESS BLVD 2ND FL HAUPPAUFE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 6.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO BENEFIT | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $4K | $24K | 6.30% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $16K | $16K | 4.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO BENEFITS | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EYEMED VISION CARE - FIDELITY SEC LIFE INS OF NY | $6K | — | $6K | 7.50% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EYEMED VISION CARE - FIDELITY SEC LIFE INS OF NY | $3K | — | $3K | 4.12% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $7.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $468K |
| Vision | EYEMED VISION CARE - FIDELITY SEC LIFE INS OF NY | 203 | $84K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 281 | $385K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 281 | $385K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 281 | $385K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 281 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.