| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD SR 35TH FL NERW YORK, NY 10004 | SUN LIFE AND HEALTH COMPANY (US) | $30K | — | $30K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 6.16% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $3K | $15K | 7.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $9K | $9K | 4.79% |
| JOSEPH D MOSCHITTO & ASSOC. INC.3 Filed as: JOSEPH MOSCHITTO GROUP INC | 2 LYON PL WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $250 | — | $250 | 0.13% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.89% |
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 | 525 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 525 | $305K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 327 | $44K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $189K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $189K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $189K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH COMPANY (US) | 316 | $604K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.