| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $83K | — | $83K | 3.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $49K | $49K | 2.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE INSURANCE CO. | $7K | $2K | $9K | 17.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $1K | — | $1K | 4.42% |
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 13.68% |
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $734 | — | $734 | 7.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $420 | $420 | 4.00% |
| BT BENEFITS & CONSULTING LLC3 | 125 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $82 | — | $82 | 7.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $47 | $47 | 4.03% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 234 | $2.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 234 | $2.3M |
| Vision | VISION SERVICE PLAN | 223 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 297 | $73K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 297 | $52K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 297 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.