| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE AND FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $285K | — | $285K | 1.83% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE AND FINANCIAL SVCS. | 4851 LYNDON B. JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75244 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 3.03% |
| BENEFITMALL3 Filed as: BENEFITMALL COM. INS. AGENCY, INC. | 4851 LYNDON B. JOHNSON FREEWAY SUITE 1100 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 15.45% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP, 17TH FLOOR NEW YORK, NY 10005 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $669 | $11K | $12K | 3.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 8.97% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP, 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $330 | $3K | $4K | 3.54% |
| HEFFEMAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $7K | — | $7K | 8.29% |
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 | 1,560 | 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) | 1,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 2,418 | $15.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,294 | $925K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,294 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,560 | $453K |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,560 | $453K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,560 | $453K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 2,418 | $15.6M |
| Other(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,560 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,418 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.