| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND INSURANCE COMPANY | $132K | — | $132K | 11.11% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $28K | $131K | 15.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $15K | $58K | 8.77% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 4.72% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WEST LAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.20% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | VISION SERVICE PLAN | $94 | — | $94 | 0.07% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $23K | 25.23% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $725 | — | $725 | 5.00% |
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 | 1,891 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 80 | $630K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,180 | $665K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,554 | $800K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,713 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,713 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,713 | $1.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND INSURANCE COMPANY | 1,891 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,180 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,891 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.