| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | HENRY O BAKER INS GROUP 7 S WARREN ST DOVER, NJ 07801 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 4.25% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 3.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBS BRIO BENEFITS | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BHROAD ST 35TH FL NEW YORK, NY 10004 | SYMETRA LIFE INSURANCE COMPANY | — | $13K | $13K | 3.80% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | DELTA DENTAL OF NEW JERSEY, INC | $6K | — | $6K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO BENEFITS | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | DELTA DENTAL OF NEW JERSEY, INC | $352 | — | $352 | 0.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO BENEFITS | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EYEMED VISION CARE | $2K | — | $2K | 8.95% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EYEMED VISION CARE | $2K | — | $2K | 8.95% |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 119 | $118K |
| Vision | EYEMED VISION CARE | 193 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 204 | $410K |
| Short-term disability | STANDARD INSURANCE COMPANY | 204 | $410K |
| Long-term disability | STANDARD INSURANCE COMPANY | 204 | $410K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 251 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.