| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO OF NEW YORK | $12K | $2K | $15K | 12.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $6K | $6K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $1K | $7K | 8.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 4.35% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | $763 | — | $763 | 11.55% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $763 | — | $763 | 11.55% |
| MCO PARTNERS LLC3 | 315 W 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $330 | $126 | $456 | 14.11% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $361 | — | $361 | 11.17% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $103 | — | $103 | 3.19% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE ST PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | — | $66 | 2.04% |
| MCO PARTNERS LLC3 | 315 W39ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $21 | $53 | 17.32% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 11.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 3.27% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE ST PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 2.61% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $85K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 96 | $7K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 121 | $113K |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 121 | $113K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 121 | $113K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 121 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.