| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 2.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $23K | $57K | 8.32% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $35K | $35K | 5.13% |
| JASON PASTRANO3 | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 2.36% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | — | $56K | 9.11% |
| 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 | $34K | — | $34K | 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 | 875 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 429 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,688 | $690K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,688 | $690K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,688 | $690K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,688 | $690K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 875 | $619K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 429 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,688 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.