| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $93K | — | $93K | 1.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY- CENTERSTONE IN | 1133 WESTCHESTER AVENUE, SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 0.67% |
| BT BENEFITS & CONSULTING LLC3 Filed as: BT BENEFITS CONSULTING LLC | 718 WALT WHITMAN RD, UNIT 1568 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $28 | — | $28 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY- CENTERSTONE IN | 1133 WESTCHESTER AVE SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $17K | $59K | 14.05% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN ROAD UNIT 1568 MELVILLE, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 8.60% |
| BT BENEFITS & CONSULTING LLC3 | 718 WALT WHITMAN RD, UNIT 1568 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.45% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 623 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $423K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.