| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HKM ASSOCIATES INC.3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | $0 | $58K | 4.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 1.83% |
| HKM ASSOCIATES INC.3 | 7 ABBEY LN PLAINVIEW, NY 118033002 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| 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 | 8.00% |
| 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 | $415 | $0 | $415 | 2.00% |
| HKM ASSOCIATES INC.3 Filed as: HKM ASSOCIATES | 7 ABBEY LANE PLAINVIEW, NY 11803 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $848 | $0 | $848 | 8.35% |
| 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 | $424 | $0 | $424 | 4.17% |
| 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 | $206 | $0 | $206 | 11.02% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 154 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 101 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 128 | $10K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 252 | $26K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $21K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.