| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 4.02% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.98% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $42 | $6K | 17.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD PITTSBURGH, PA 152203353 | METROPOLITAN LIFE INSURANCE COMPANY | — | $930 | $930 | 2.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | DBA BRIO BENEFITS 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNUM LIFE INSURANCE COMPANY | $6K | $87 | $6K | 15.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 5.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICA 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY | $484 | $137 | $621 | 1.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF AMERICA 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY | $484 | — | $484 | 1.37% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 42 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY | — | $308 | $308 | 0.87% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY | — | $171 | $171 | 0.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 42 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY | — | — | $0 | 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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $918K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $37K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $37K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 35 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 35 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 35 | $35K |
| Other | UNUM LIFE INSURANCE COMPANY | 35 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.