| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | EMBLEM HEALTH | $63K | $0 | $63K | 4.04% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NC 11803 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 4.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 4.62% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NY 11803 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 5.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 5.22% |
| 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 | 8.02% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PKWY SUITE 201 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | -$6 | $0 | -$6 | -0.02% |
| 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 | $468 | $0 | $468 | 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 OF NEW YORK | $956 | $0 | $956 | 8.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE W S229 WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $478 | $0 | $478 | 4.15% |
| 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 | $235 | $0 | $235 | 11.01% |
| ACORN SENTINEL INSURANCE AGENCY3 | 100 QUANNAPOWITT PARKWAY SUITE 300 WAKEFIELD, MA 01880 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.05% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 158 | $1.6M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 208 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 146 | $12K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $29K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $23K |
| Prescription drug | EMBLEM HEALTH | 158 | $1.6M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.