| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 3.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2NF FL HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 1.50% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | — | $3K | 5.29% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO OF NEW YORK | $682 | $865 | $2K | 2.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $244 | $1K | 12.76% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.42% |
| MCO PARTNERS LLC3 | 315 W39ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $80 | $378 | 9.05% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 6.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 3.23% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS COLONIAL AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $11 | $29 | 0.69% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE ST PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.36% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 150 | $1.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $10K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 94 | $54K |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 94 | $54K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 94 | $54K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 94 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.