| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING | 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $62K | — | $62K | 4.00% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL J CARPENTERI | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.70% |
| SCOTT JACOB INS GROUP LLC3 Filed as: SCOTT RAPPOPORT | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING, LLC | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $473 | — | $473 | 9.99% |
| NEW YORK RHB, LLC3 | 7600 JERICHO TPK 404 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.13% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 225 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $126K |
| Vision | VISION SERVICE PLAN | 176 | $19K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 338 | $50K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 225 | $1.6M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.