| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACORN SENTINEL INSURANCE AGENCY3 Filed as: ACORN SENTINEL | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | EMBLEM HEALTH | $37K | $0 | $37K | 2.13% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMBLEM HEALTH | $28K | $0 | $28K | 1.62% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY | 55 WALKER BROOK DR WILLIAMSTOWN, MA 01267 | EMPIRE HEALTHCHOICE HMO, INC. | $3K | $0 | $3K | 2.02% |
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMPIRE HEALTHCHOICE HMO, INC. | $960 | $0 | $960 | 0.76% |
| ACORN SENTINEL INSURANCE AGENCY3 Filed as: ACORN SENTINEL INC. AGENCY | 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | EMBLEM HEALTH | $3K | $0 | $3K | 4.08% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES, INC. | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMBLEM HEALTH | $3K | $0 | $3K | 3.24% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $871 | $0 | $871 | 4.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 106043516 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $826 | $0 | $826 | 3.89% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | $0 | $187 | 1.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL. SVCS. | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | $0 | $177 | 0.97% |
| 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 | $0 | $854 | $854 | 6.01% |
| RUBICON BENEFITS LLC3 | 125 BAYLIS RD SUITE 300 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $806 | $0 | $806 | 5.67% |
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGCY | 100 QUANNAPOWITT PKWY #300 WAKEFIELD, MA 01880 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $742 | $0 | $742 | 5.22% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 25B HANOVER RD, SUITE 220 FLORHAM PARK, NJ 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $395 | $395 | 2.78% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $97 | $0 | $97 | 5.62% |
| 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 | $92 | $0 | $92 | 5.33% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 171 | $1.9M |
| Dental | EMBLEM HEALTH | 102 | $79K |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $35K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $18K |
| Prescription drug | EMBLEM HEALTH | 171 | $1.8M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 224 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
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.