| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $8K | $43K | 11.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | DBA BRIO BENEFIT CONSULTING INC 30 BROAD ST, 35TH FL NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $1K | $17K | 7.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.58% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | SHELTERPOINT LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 5 | $51K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 232 | $380K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 242 | $38K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $231K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $231K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.