| 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 | $6K | $0 | $6K | 6.56% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BRAOD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.44% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.53% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.47% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $967 | $967 | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BRAOD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $977 | $0 | $977 | 5.78% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $845 | $845 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $740 | $740 | 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 | $512 | $0 | $512 | 3.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $228 | $0 | $228 | 1.54% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $418 | $0 | $418 | 9.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST FL 35 NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | $0 | $239 | 5.46% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $219 | $219 | 5.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $90K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $15K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $17K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $42K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.