| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PFO CONSULTING LLC3 | 800 WESTCHESTER AVE SUITE N311 RYE BROOK, NY 10573 | UNITED HEALTHCARE | — | $231K | $231K | 3.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | UNITED HEALTHCARE | — | $67K | $67K | 0.90% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA HEALTH & LIFE INSURANCE | $15K | — | $15K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHARE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH & LIFE INSURANCE | — | $281 | $281 | 0.06% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $12K | — | $12K | 4.19% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $10K | — | $10K | 3.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSHARE CIR CHICAGO, IL 60674 | CIGNA | $7K | — | $7K | 2.37% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $7K | — | $7K | 4.16% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $6K | — | $6K | 3.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA | $5K | — | $5K | 2.56% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | 2500 WESTCHESTER AVE SUITE 401 PURCHASE, NY 10577 | KAISER PERMANENTE | $2K | — | $2K | 3.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | KAISER PERMANENTE | $138 | — | $138 | 0.27% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHARE CIR CHICAGO, IL 60674 | CIGNA | $316 | — | $316 | 3.94% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $266 | — | $266 | 3.31% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | CIGNA | $221 | — | $221 | 2.75% |
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 | 1,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 1,370 | $7.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE | 635 | $501K |
| Vision | EYEMED | 1,136 | $93K |
| Life insurance | CIGNA | 769 | $280K |
| Long-term disability | CIGNA | 982 | $180K |
| Other(4 contracts, 2 carriers) | CIGNA | 982 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.