| 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. | $177K | — | $177K | 3.93% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE CO. | $77K | — | $77K | 1.72% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 10.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $1K | $12K | 9.54% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $8K | $8K | 5.96% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 451 | $4.5M |
| Dental | AETNA LIFE INSURANCE CO. | 289 | $246K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 286 | $39K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 293 | $130K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 293 | $130K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 293 | $130K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 293 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.