| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST FLOOR 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $886 | $6K | 11.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $932 | $3K | 13.90% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BRCAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $468 | $161 | $629 | 6.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $468 | $468 | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BRCAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $272 | $2K | 17.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $464 | $464 | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $343 | $2K | 19.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $428 | $428 | 4.99% |
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 | 262 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $51K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $9K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $9K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $24K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.