| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR SUITE 500 CHICAGO, IL 60606 | SUN LIFE AND HEALTH COMPANY (US) | — | $17K | $17K | 1.59% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD SR 35TH FL NERW YORK, NY 10004 | SUN LIFE AND HEALTH COMPANY (US) | — | $3K | $3K | 0.31% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 6.35% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $3K | $19K | 6.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 4.52% |
| 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 | 5.12% |
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 | 624 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 624 | $372K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 415 | $55K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 432 | $276K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 432 | $276K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 432 | $276K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH COMPANY (US) | 386 | $1.1M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 432 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.