| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 4.23% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSUNACE CO. OF NEW YORK | $4K | — | $4K | 4.40% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 5.80% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $146K | — | $146K | 319.83% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD STE 470 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.22% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | AETNA LIFE INSURANCE CO. | -$4K | — | -$4K | -9.32% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | US FIRE | $1K | — | $1K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFITCONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSUARNCE CO. OF NEW YORK | $1K | — | $1K | 10.79% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YROK | $1K | — | $1K | 12.11% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 12.00% |
| CAREN WASSERMAN4 | 61 COTTONWOOD CT WANTAGH, NY 11973 | PRE-PAID LEGAL SERVICES, INC, D/B/A LEGALSHIELD | $761 | — | $761 | 15.64% |
| VICKY METHEN4 | 10917 NE 41ST DR KIRKLAND, WA 98033 | PRE-PAID LEGAL SERVICES, INC, D/B/A LEGALSHIELD | $173 | — | $173 | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $389K |
| HEALTH AND HUMAN RESOURCES CENTER I PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE., RSAA HARTFORD, CT 06156 | $7K |
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 | 372 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 211 | $46K |
| Vision | US FIRE | 426 | $21K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 414 | $103K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSUNACE CO. OF NEW YORK | 414 | $99K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 414 | $84K |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSUARNCE CO. OF NEW YORK | 414 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
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.