| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL SERV INC | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 6.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 3.97% |
| THE ROLLINS AGENCY INC3 Filed as: ROLLINS CHARLES J | 800 WESTCHESTER AVENUE, SUITE N311 RYE BROOK, NY 10573 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 21.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $1K | $4K | 22.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $692 | $2K | 20.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | WESCO INSURANCE COMPANY | $782 | — | $782 | 18.40% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $156K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $27K |
| Short-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $51K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 135 | $27K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 141 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
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.