| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $7K | $42K | 16.39% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 5.41% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.91% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 3.21% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 3.00% |
| 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 | $1K | — | $1K | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.00% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $891 | — | $891 | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $405 | — | $405 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $668 | $303 | $971 | 14.53% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY SUITE 193610004 NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | $668 | — | $668 | 10.00% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $232 | — | $232 | 9.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | — | $116 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $258K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 126 | $81K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $7K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $8K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 142 | $53K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.