| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $522 | $13K | 4.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 3.98% |
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVE STE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV. | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.29% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.63% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC. | 4135 N FRONT STREET HARRISBURG, PA 17110 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.47% |
| CHERA S GERSTEIN3 | 10 STATE HOUSE SQUARE FL11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.02% |
| JENNIFER L FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $788 | — | $788 | 1.34% |
| MARK BAKER3 | 170 US ROUTE 1 STE 150 FALMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $732 | — | $732 | 1.24% |
| SILAS MILNE WARNER3 | 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $237 | — | $237 | 0.40% |
| SALVATORE J DOMINELLO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $148 | — | $148 | 0.25% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | VISION SERVICE PLAN | $1K | — | $1K | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $503 | — | $503 | 1.02% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE SUITE 401 PURCHASE, NY 10577 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $161 | — | $161 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $70K |
| YOURPFO CONSULTING LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | $68K |
| BROWN & BROWN OF NY DBA OPUS ADV. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 106043546 | $24K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation 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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | 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 | 136 | $231K |
| Vision | VISION SERVICE PLAN | 133 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $273K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $273K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $273K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.