| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 3.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $207 | $9K | 0.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL, SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.10% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE SUITE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $455 | $0 | $455 | 0.04% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE SUITE 220 HARRISON, NY 10528 | DELTA DENTAL OF CONNECTICUT, INC. | $3K | $0 | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CONNECTICUT, INC. | $1K | $0 | $1K | 2.07% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE SUITE 220 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $191 | $1K | 22.96% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $186 | $0 | $186 | 2.88% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 113 | $54K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.