| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE, PLAINVIEW PLAINVIEW, NY 11803 | EMBLEM HEALTH | $52K | $0 | $52K | 4.00% |
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMBLEM HEALTH | $9K | $0 | $9K | 4.00% |
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMPIRE HEALTHCHOICE HMO, INC. | $2K | $0 | $2K | 2.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.01% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $423 | $0 | $423 | 2.01% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NY 11803 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $564 | $0 | $564 | 5.18% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY., SUITE 300 WAKEFIELD, MA 01880 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $525 | $0 | $525 | 4.82% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NY 11803 | EYEMED | $930 | $0 | $930 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE W S229 WHITE PLAINS, NY 10604 | EYEMED | $465 | $0 | $465 | 5.00% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES, INC. | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMBLEM HEALTH | $517 | $0 | $517 | 8.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $240 | $0 | $240 | 11.01% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEM HEALTH | 111 | $1.6M |
| Dental | EMBLEM HEALTH | 99 | $6K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 158 | $20K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $27K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $21K |
| Prescription drug(2 contracts) | EMBLEM HEALTH | 111 | $1.5M |
| Other(2 contracts, 2 carriers) | EMBLEM HEALTH | 239 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.