| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $129K | — | $129K | 4.98% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $31K | — | $31K | 4.61% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | HARTFORD LIFE AND ACCIDENT | $39K | — | $39K | 12.19% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $1K | $25K | 10.35% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 24.62% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFITS CONSULTING INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | EYEMED VISION CARE | $2K | — | $2K | 6.79% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON | 5550 TOPANGA CANYON BLVD STE 310 WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $273 | — | $273 | 1.05% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 373 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 351 | $239K |
| Vision | EYEMED VISION CARE | 385 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 313 | $322K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 313 | $322K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 313 | $322K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 313 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.