| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | CIGNA | $1K | $54K | $56K | 1.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAGE, NY 11788 | CIGNA | $0 | $43K | $43K | 1.50% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | CIGNA | $386 | $18K | $18K | 0.62% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE & EMPLOYEE BENEF | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | GUARDIAN | $18K | — | $18K | 9.52% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $12K | $5K | $17K | 9.04% |
| GCG FINANCIAL LLC3 Filed as: ALEGRA GROUP INC DBA BRIO BENEFIT C | 30 BROAD ST FL 35 NEW YORK, NY 10004 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.67% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.91% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD STE 403 C/0 DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.42% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $266 | $266 | 0.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA BRIO BENE | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.98% |
| DMS EXECUTIVE AND EMPLOYEE BEN3 | 23 SADDLE RIDGE RD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA BRIO BENE | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 10004 | FIRST UNUM LIFE INSURANCE COMPANY | $128 | — | $128 | 12.54% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE & EMPLOYEE BENEF | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $25 | — | $25 | 2.45% |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 102 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $151K |
| Vision | CIGNA | 102 | $2.9M |
| Life insurance | GUARDIAN | 91 | $187K |
| Short-term disability | GUARDIAN | 91 | $187K |
| Long-term disability | GUARDIAN | 91 | $187K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 91 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.