| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41K | $41K | 1.49% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR SUITE 500 CHICAGO, IL 60608 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 1.22% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 1.17% |
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 | 4,361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,361 | $2.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,361 | $2.8M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,853 | $2.6M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,361 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,361 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.