| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $134K | $0 | $134K | 15.13% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 4.21% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING, LLC | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 2.98% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.39% |
| RUSSELL J CARPENTIERI3 | 86 SHEATHER ROAD BEDFORD CORNERS, NY 10594 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.91% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | $163 | $725 | 11.48% |
| RUSSELL J CARPENTIERI3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $0 | $385 | 6.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 01073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48 | $0 | $48 | 2.88% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING INC | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | $0 | $38 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | $0 | $32 | 1.92% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $1.0M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $526K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $296K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $551K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $543K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $786K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.