| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SRVS | 31248 OAKCREST DR STE140 WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $138K | — | $138K | 3.65% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 1.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 31248 OAK CREST DR STE 140 WESTLAKE VILLAGE, CA 91361 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $13K | $30K | 13.65% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 7.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 PORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.45% |
| BENEFITS ALLIANCE GROUP INS SVC3 | 5210 LEWIS RD STE 14 AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 46.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $20 | $3K | 9.75% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS SERV LLC | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 91361 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.73% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | AMERITAS LIFE INSURANCE CORP | $863 | — | $863 | 3.27% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $35K |
| Vision | AMERITAS LIFE INSURANCE CORP | 183 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $221K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.