| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $121K | — | $121K | 3.95% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $53K | — | $53K | 1.73% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $837 | $10K | 9.24% |
| PROFESSIONAL GROUP PLAND INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| JD MOSCHITTO & ASSOCIATES, INC3 Filed as: JD MOSCHITTO & ASSOCIATES | 222 BLOOMINGDALE ROAD WHITE PLAINS, NY 10605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.56% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH D MOSCHITTO | 222 BLOOMINGDALE ROAD SUITE 400 WHITE PLAINS, NY 10605 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $135 | $3K | 15.39% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 241 | $3.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $29K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 244 | $112K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 261 | $130K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 244 | $112K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 244 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.