| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE OF CA | 1225 BATTERY ST SUITE 450 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | — | $78K | 2.14% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 5.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES (CA) | 160 WEST SANTA CLARA ST. STE 300 SAN JOSE, CA 95113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1255 BATTERY ST STE 450 SAN FRANCISCO, CA 94111 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 14.09% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHEU GALLAGHER & CO | 2850 GOLF ROAD 5TH FL ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - SAN | 2 PIERCE PLACE ITASCA, IL 60143 | EYEMED VISION CARE | $4K | — | $4K | 12.64% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | EYEMED VISION CARE | $1K | — | $1K | 4.93% |
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 | 517 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 517 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 378 | $209K |
| Vision | EYEMED VISION CARE | 335 | $29K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 424 | $90K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 424 | $90K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 424 | $90K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 424 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.