| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BE3NEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $64 | $5K | 5.11% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 24402 DEPT LN PASADENA, CA 911854402 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | $318 | $1K | 1.30% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING INC. | 42 BROADWAY SUITE 1936 NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $941 | — | $941 | 0.99% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | ZENEFITS DEPT LA 24402 PASADENA, CA 91185 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 250 PARK AVE 3RD FL NEW YORK, NY 10177 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 250 PARK AVE, FL 3 NEW YORK, NY 10177 | UNITED HEALTHCARE INSURANCE COMPANY | $566 | — | $566 | 7.25% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 193610004 NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | $92 | — | $92 | 1.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $92 | — | $92 | 1.18% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | UNITED HEALTHCARE INSURANCE COMPANY | $37 | — | $37 | 0.47% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 126 | $987K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $95K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 78 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $95K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 142 | $78K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.