| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FLOOR PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.57% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FLOOR PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 4.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.98% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | VISION SERVICE PLAN | $2K | — | $2K | 3.89% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 18.11% |
| SILAS MILNE WARNER3 | 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.71% |
| CHERA S GERSTEIN3 | 10 STATE HOUSE SQUARE FL11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.45% |
| MARK BAKER3 | 170 US ROUTE 1 STE 150 FALMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $961 | — | $961 | 2.97% |
| SALVATORE J DOMINELLO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $841 | — | $841 | 2.60% |
| JENNIFER L FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $651 | — | $651 | 2.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT | PO BOX 414965 BOSTON, MA 02241 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 69.71% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FLOOR PURCHASE, NY 10577 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 30.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT | PO BOX 414965 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $161 | — | $161 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| YOURPFO CONSULTING LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | $83K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $55K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary 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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $195K |
| Vision | VISION SERVICE PLAN | 123 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $241K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $241K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $241K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.