| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 5.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INS DBA BRIO BENEFITS C | 30 BROAD ST FL 35 NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $25 | $5K | 3.49% |
| GCG FINANCIAL LLC3 Filed as: ALERIA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.25% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.18% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $718 | $18 | $736 | 0.50% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $0 | $6K | 12.50% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | COMPANION LIFE INSURANCE COMPANY | $850 | $0 | $850 | 10.01% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 22.49% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $724 | $0 | $724 | 14.99% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $340 | $0 | $340 | 10.01% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | MUTUAL OF OMAHA INSURANCE COMPANY | $135 | $0 | $135 | 22.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIO BENEFIT CONSULTING, AN ALERA G EIN 20-0524504 BROKER | Insurance agents and brokers Service code 22 | — | $103K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $94K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $147K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $147K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 324 | $18K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 324 | $130K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 324 | $46K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 232 | $661K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 324 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.