| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING | 30 TWO BRIDGES ROAD SUITE 320 FAIRFIELD, NJ 07004 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $137K | — | $137K | 4.17% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.04% |
| SCOTT JACOB INS GROUP LLC3 Filed as: SCOTT RAPPOPORT | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 11.09% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 0.91% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.41% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING, LLC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $4K | — | $4K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC. | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $1K | — | $1K | 1.88% |
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 | 739 | 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) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 406 | $3.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 465 | $268K |
| Vision | VISION SERVICE PLAN | 359 | $58K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 680 | $354K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 548 | $93K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 406 | $3.3M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 680 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.