| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | DELTA DENTAL OF MASSACHUSETTS | $7K | — | $7K | 3.09% |
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.63% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.10% |
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.75% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.58% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING, INC | 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ASO MEDICAL PROVIDER | Float revenue; Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Other commissions; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $204K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $364K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 522 | $235K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $50K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $179K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $179K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $364K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 597 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.