| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | AETNA LIFE INSURANCE COMPANY | $85K | $5K | $90K | 67.32% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD HAUPPAGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 33.43% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET, 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $612 | $6K | 10.07% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $941 | $3K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD HAUPPAGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $612 | $490 | $1K | 1.91% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET, 35TH FLOOR NEW YORK, NY 10004 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $407 | $1K | 6.99% |
| BENNIE INSURANCE, LLC3 | 200 BROADWAY, 3RD FLOOR NEW YORK, NY 10038 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $190 | $0 | $190 | 0.92% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 255 | $134K |
| Vision | AETNA LIFE INSURANCE COMPANY | 255 | $134K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $58K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $58K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $58K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.