| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METROPLOITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.30% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | METROPLOITAN LIFE INSURANCE COMPANY | $3K | $11 | $3K | 4.69% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPLOITAN LIFE INSURANCE COMPANY | -$50 | $0 | -$50 | -0.08% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 12.50% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $284 | $0 | $284 | 14.99% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | COMPANION LIFE INSURANCE COMPANY | $399 | $0 | $399 | 22.52% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | COMPANION LIFE INSURANCE COMPANY | $90 | $0 | $90 | 9.97% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $31 | $0 | $31 | 10.13% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $55 | $0 | $55 | 22.63% |
| ACRISURE LLC | 100 OTTOWA AVE SW GRAND RAPIDS, MI 49503 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | — | $0 | — |
| ACRISURE LLC Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | — | $0 | — |
| BRIO BENEFIT CONSULTING INC Filed as: BRIO BENEFITS | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | — | $0 | — |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 219 | $0 |
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 239 | $62K |
| Vision | METROPLOITAN LIFE INSURANCE COMPANY | 239 | $62K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 269 | $3K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 269 | $57K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 269 | $20K |
| Other(4 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 269 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.