| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $3K | $18K | 5.29% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $9K | $9K | 5.80% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 2.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSUNACE CO. OF NEW YORK | — | $8K | $8K | 5.86% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSUNACE CO. OF NEW YORK | $4K | — | $4K | 2.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6K | $6K | 5.75% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 4.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.59% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 4.93% |
| CAREN WASSERMAN4 | 61 COTTONWOOD CT WANTAGH, NY 11973 | PRE-PAID LEGAL SERVICES, INC, D/B/A LEGALSHIELD | $6K | — | $6K | 17.89% |
| BICKY METHVEN4 | 370 GREEN OAK DR KERRVILLE, TX 78028 | PRE-PAID LEGAL SERVICES, INC, D/B/A LEGALSHIELD | $87 | — | $87 | 0.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSUARNCE CO. OF NEW YORK | $4K | $2K | $5K | 17.22% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFITCONSULTING | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA LIFE INSUARNCE CO. OF NEW YORK | $3K | — | $3K | 9.29% |
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 | 1,342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 50 | $342K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,342 | $224K |
| Short-term disability | CIGNA LIFE INSUNACE CO. OF NEW YORK | 1,342 | $141K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,342 | $104K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,079 | $2.7M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC, D/B/A LEGALSHIELD | 317 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.