| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 | 800 WESTCHESTER AVE STE N311 RYE BROOK, NY 105731364 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 4.58% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.06% |
| YOURPFO CONSULTING LLC3 | 800 WESTCHESTER AVE STE N311 RYE BROOK, NY 105731364 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 9.18% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | — | TRIPLE S SALUD, INC. | $2K | $0 | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $79 | $1K | 21.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 NONE | Claims processing; Contract Administrator; Other services Service code 12 | — | $848K |
| YOURPFO CONSULTING LLC EIN 26-0618901 NONE | Other commissions Service code 55 | — | $94K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Contract Administrator; Other fees; Other services Service code 13 | — | $24K |
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 | 1,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 96 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,516 | $596K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,496 | $632K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,323 | $173K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,505 | $252K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 518 | $273K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 518 | $273K |
| Prescription drug | TRIPLE S SALUD, INC. | 7 | $41K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,516 | $555K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,505 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,516 | — |
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.