| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | SUN LIFE AASSURANCE COMPANY OF CANADA | $22K | $27K | $49K | 8.88% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS, LLC | 1 PIERCE PLACE SUITE 400E ITASCA, IL 60143 | SUN LIFE AASSURANCE COMPANY OF CANADA | — | $14K | $14K | 2.46% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE AASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $4K | $9K | 11.03% |
| JASON PASTRANO3 | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAN HEALTH EIN 16-1264154 CLAIM PAYOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $115K |
| BRIO BENEFIT CONSULTING, INC. EIN 20-0524504 BROKER | Insurance agents and brokers Service code 22 | — | $100K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $79K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 249 | $79K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AASSURANCE COMPANY OF CANADA | 175 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.