| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM ROSENFELD3 | 125 BAYLIS ROAD MELVILLE, NY 11747 | EMBLEM HEALTH | $38K | — | $38K | 3.85% |
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | CARE CONNECT INSURANCE COMPANY, INC. | $9K | — | $9K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | CARE CONNECT INSURANCE COMPANY, INC. | $3K | — | $3K | 1.50% |
| RUBICON BENEFITS LLC3 | 125 BAYLIS RD MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE HMO, INC. | $4K | — | $4K | 2.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SRVCS | 1133 WESTCHESTER AVE., STE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE HMO, INC. | $1K | — | $1K | 0.74% |
| PREFERRED NY FINANCIAL GROUP LLC3 Filed as: PREFERRED NY FINANCIAL GROUP | 500 NORTH BROADWAY, SUITE 219 JERICHO, NY 11753 | EMPIRE HEALTHCHOICE HMO, INC. | $172 | — | $172 | 0.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD. HAUPPAAUGE, NY 11788 | EMPIRE HEALTHCHOICE HMO, INC. | $24 | — | $24 | 0.01% |
| RUBICON BENEFITS LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SVCS | 1133 WESTCHESTER AVE., SUITE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.97% |
| RUBICON BENEFITS LLC3 | 125 BAYLIS RD., SUITE 300 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE., SUITE S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $556 | $556 | 3.52% |
| RUBICON BENEFITS LLC3 | 125 BAYLIS RD., SUITE 300 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE., SUITE S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $574 | $574 | 5.00% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS, LLC | 125 BAYLIS ROAD MELVILLE, NY 11747 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $503 | — | $503 | 9.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SRVCS | 1133 WESTCHESTER AVE., STE S-229 WHITE PLAINS, NY 106043546 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $252 | — | $252 | 4.54% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 73 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 171 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 96 | $6K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 210 | $16K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 177 | $11K |
| Prescription drug | EMBLEM HEALTH | 73 | $985K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 210 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.