| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | OXFORD HEALTH INSURANCE, INC. | $78K | — | $78K | 2.32% |
| POST BENEFITS, LLC3 | ONE INTERNATIONAL BOULEVARD SUITE 405 MAHWAH, NJ 07495 | OXFORD HEALTH INSURANCE, INC. | $50K | — | $50K | 1.48% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD | 370 LEXINGTON AVENUE, SUITE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE, INC. | — | $28K | $28K | 0.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 0.57% |
| TRINITY BROKERAGE, INC.3 | 32 ELM STREET, SUITE 300 PAWLING, NY 12564 | OXFORD HEALTH INSURANCE, INC. | $6K | — | $6K | 0.17% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 6.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $3K | $5K | 3.79% |
| POST BENEFITS, LLC3 | ONE INTERNATIONAL BOULEVARD SUITE 405 MAHWAH, NJ 07495 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.34% |
| FUDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.27% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE HARRISON, NY 10528 | EYEMED VISION CARE | $1K | — | $1K | 5.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | EYEMED VISION CARE | $970 | — | $970 | 4.15% |
| JOHN M. CLANCY3 Filed as: JOHN M. CLANCEY | 45 TAGGART WAY SADDLE BROOK, NJ 07663 | EYEMED VISION CARE | $969 | — | $969 | 4.15% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 446 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 434 | $137K |
| Vision | EYEMED VISION CARE | 449 | $23K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 446 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
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.