| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | GUARDIAN | $30K | $12K | $42K | 7.69% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE RD STE 250 ATLANTA, GA 30305 | GUARDIAN | $41K | $0 | $41K | 7.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671291 DALLAS, TX 75267 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | $0 | $5K | 2.77% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST, FL 35 NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | $0 | $5K | 2.65% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST, 35TH FL NEW YORK, NY 10004 | TELADOC HEALTH, INC | $1K | $0 | $1K | 7.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | TELADOC HEALTH, INC | $1K | $0 | $1K | 7.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAESTRO HEALTH, INC. ADMIN | Claims processing Service code 12 | 500 W. MADISON STE 1250 CHICAGO, IL 60661 | $106K |
| BRIO BENEFIT CONSULTING EIN 20-0524504 BROKER | Insurance agents and brokers Service code 22 | — | $104K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $47K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $16K |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC | 14 | $188K |
| Dental | GUARDIAN | 307 | $551K |
| Vision | GUARDIAN | 307 | $551K |
| Life insurance | GUARDIAN | 307 | $551K |
| Short-term disability | GUARDIAN | 307 | $551K |
| Long-term disability | GUARDIAN | 307 | $551K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 236 | $1.1M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 324 | $577K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
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.