| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | — | $157K | $157K | 5.12% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 1.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28K | $28K | 7.27% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 6.96% |
| JASON PASTRANO3 | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.59% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC. | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $19K | — | $19K | 20.00% |
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 | 652 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 652 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 902 | $390K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 902 | $390K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 902 | $390K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 902 | $390K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 239 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.
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.