| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE, 4TH FLOOR PURCHASE, NY 10577 | CIGNA LIFE INSURANCE CO | $13K | $66K | $79K | 3.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 22 FLOOR HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO | — | $53K | $53K | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE, INC. | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | CIGNA LIFE INSURANCE CO | $5K | $25K | $30K | 1.19% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSUTLING LLC | 2500 WESTCHESTER AVE, 4TH FL PURCHASE, NY 10577 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | — | $4K | 7.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $394 | — | $394 | 0.72% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE, 4TH FL PURCHASE, NY 10577 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | — | $2K | 6.90% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $342 | — | $342 | 0.99% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVENUE, 4TH FL PURCHASE, NY 10577 | LIFE INSURANCE CO OF NORTH AMERICA | $1K | — | $1K | 7.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $938 | $938 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $283 | — | $283 | 1.51% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE, STE 100 LAS VEGAS, NV 89119 | HYATT LEGAL PLANS | $571 | — | $571 | 10.21% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE, 4TH FL PURCHASE, NY 10577 | LIFE INSURANCE CO OF NORTH AMERICA | $440 | — | $440 | 9.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE CO OF NORTH AMERICA | — | $230 | $230 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAGIN AND PIKE INC | 2603 W CHARLESTON BLVD LAS VEGAS, NV 89102 | LIFE INSURANCE CO OF NORTH AMERICA | $112 | — | $112 | 2.44% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE INSURANCE CO | 348 | $2.5M |
| Dental | CIGNA LIFE INSURANCE CO | 348 | $2.5M |
| Vision | CIGNA LIFE INSURANCE CO | 348 | $2.5M |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 364 | $35K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 364 | $19K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 364 | $55K |
| Other(2 contracts, 2 carriers) | HYATT LEGAL PLANS | 364 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.