| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 100 BROADWAY 21ST FL STE B NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 8.31% |
| PROFESSIOANL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 4.40% |
| BRIO BENEFIT CONSULTING INC3 | 100 BROADWAY 21ST FL STE B NEW YORK, NY 10005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 2.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $1K | $9K | 9.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 4.95% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFITS INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.53% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.99% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 100 BROADWAY STE 21B NEW YORK, NY 10005 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $354 | — | $354 | 10.57% |
| KACY LAVENDAR4 | 307 SPRING CRK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $132 | — | $132 | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 9442 N CAPITAL OF TX HWY STE 1-950 AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $56 | — | $56 | 1.67% |
| EXPERINS, LLC4 Filed as: EXPERINS | 8200 N MOPAC EXPY AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $28 | — | $28 | 0.84% |
| KEVIN PUTMAN4 | 12505 CALISTOGA WAY AUSTIN, TX 78732 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $25 | — | $25 | 0.75% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $515K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $96K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $96K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $64K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | 25 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.