| 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 | $51K | $0 | $51K | 5.97% |
| YOURPFO CONSULTING LLC3 | 800 WESTCHESTER AVE # N311 RYE BROOK, NY 105731364 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.98% |
| YOURPFO CONSULTING LLC3 | BROWN AND BROWN OF NEW YORK INC 800 WESTCHESTER AVE STE N311 RYE BROOK, NY 105731364 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 13.44% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 800 WESTCHESTER AVE STE N 311 RYE BROOK, NY 105731364 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.02% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | — | TRIPLE S SALUD, INC. | $2K | $0 | $2K | 5.00% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FL PURCHASE, NY 10577 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $77 | $77 | 1.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 41-1289245 NONE | Other services; Claims processing; Contract Administrator Service code 12 | — | $584K |
| YOURPFO CONSULTING LLC EIN 26-0618901 NONE | Other commissions Service code 55 | — | $107K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Other services; Other fees; Contract Administrator 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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,570 | $669K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,572 | $898K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,572 | $856K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,414 | $275K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $303K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $303K |
| Prescription drug | TRIPLE S SALUD, INC. | 6 | $41K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,570 | $627K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,414 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,572 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.