| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FLOOR PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 12.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 45 EAST AVENUE ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 4.14% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 11.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $134K |
| YOURPFO CONSULTING, LLC EIN 26-0618901 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| CIGNA | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $0 |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $460K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $196K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $196K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $196K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.