| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVE STE N-36 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | — | $276K | $276K | 4.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | — | $119K | $119K | 2.00% |
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 605581441 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | -$64 | $12K | 0.21% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | -$64 | $12K | 0.21% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $3K | $65K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $41 | $38K | 2.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.11% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.18% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN T BLANCHARD3 Filed as: JOHN BLANCHARD | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, IL 77583 | COMBINED INSURANCE | $92K | — | $92K | 53.87% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $24K | — | $24K | 14.26% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | COMBINED INSURANCE | $14K | — | $14K | 8.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | 700 N PEARL ST N1700 DALLAS, TN 75201 | COMBINED INSURANCE | $84 | — | $84 | 0.05% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 20.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $41 | $8K | 8.26% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.06% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $386 | $5K | 4.81% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $76 | $2K | 1.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.19% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $63 | — | $63 | 0.06% |
| JOHN T BLANCHARD3 Filed as: JOHN BLANCHARD | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 28.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $41 | $7K | 7.73% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.51% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $334 | $4K | 4.75% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $747 | $41 | $788 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $176 | $176 | 0.19% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE WEST HARRISON, NY 10604 | METLIFE LEGAL PLANS | $2K | — | $2K | 7.83% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METLIFE LEGAL PLANS | $308 | — | $308 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | METLIFE LEGAL PLANS | — | $235 | $235 | 0.84% |
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 | 947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,632 | $6.1M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,632 | $7.3M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,632 | $7.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,604 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,604 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,604 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,604 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.