| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEDFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | BENCHMARK INS CO | $63K | — | $63K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 6.54% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.39% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 11.03% |
| MCO PARTNERS LLC3 | 315 W 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 9.12% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS COLONIAL AGENTS | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $976 | $6K | 7.74% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE ST PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.63% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $86K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $86K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 95 | $76K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 95 | $76K |
| Stop-loss / reinsurancereinsurance | BENCHMARK INS CO | 1 | $630K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 95 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.