| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $3K | $7K | 9.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $6K | 8.56% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.19% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.46% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFITS CONSULTING INC | 30 BROAD STREET 25TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $791 | $7K | 17.51% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $361 | $3K | 18.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $903 | $722 | $2K | 9.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $460 | $184 | $644 | 7.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $309 | $124 | $433 | 7.02% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $879 | $91 | $970 | 21.43% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $226 | $181 | $407 | 8.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $100K |
| BRIO BENEFIT CONSULTING BROKER | Insurance agents and brokers Service code 22 | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | $33K |
| PROFESSION GROUP PLANS INC BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $19K |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $376K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $74K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $74K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $18K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 38 | $40K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $18K |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 388 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.