| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL J. CARPENTIERI | 2500 WESTCHESTER AVENUE, SUITE 401 PURCHASE, NY 10577 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $9K | $0 | $9K | 2.45% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL J. CARPENTIERI | 2500 WESTCHESTER AVENUE, SUITE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 5.45% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL J. CARPENTIERI | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.18% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING, LLC | 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 | FEDERAL INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 833 | $363K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $82K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $276K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $276K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 466 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.