| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 2.56% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $2K | $16K | 10.89% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | SYMETRA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 22.08% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | EYEMED VISION CARE | $2K | — | $2K | 14.17% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 71 | $150K |
| Vision | EYEMED VISION CARE | 89 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 751 | $92K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 751 | $92K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 751 | $92K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 751 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.