| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EMBLEMHEALTH | $80K | — | $80K | 3.85% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $2K | $11K | 5.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.95% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | NEW YORK GROUP LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 7.70% |
| PROFRSSIONAL GROUP PLANS, INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | NEW YORK GROUP LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE 12TH FL NEW YORK, NY 10016 | NEW YORK GROUP LIFE INSURANCE COMPANY OF NEW YORK | $322 | — | $322 | 0.40% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | VISION SERVICES PLAN | $2K | — | $2K | 7.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST FL 6 SAN DIEGO, CA 921018156 | VISION SERVICES PLAN | $1 | — | $1 | 0.00% |
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 | 510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 99 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $190K |
| Vision | VISION SERVICES PLAN | 223 | $21K |
| Life insurance | NEW YORK GROUP LIFE INSURANCE COMPANY OF NEW YORK | 510 | $80K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS OF AMERICA INS CORP | 105 | $555K |
| Other | NEW YORK GROUP LIFE INSURANCE COMPANY OF NEW YORK | 510 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.