| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 18.03% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7, SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $7K | — | $7K | 3.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 5.14% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL SERV INC | 1133 WESTCHESTER AVE, SUITE S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA, DENTAL HEALTH OF NEW JERSEY, INC | $0 | $478 | $478 | 5.00% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FIN SERVICES, INC | 1133 WESTCHESTER AVE, SUITE S-229 WHITE PLAINS, NY 10604 | CIGNA, DENTAL HEALTH OF NEW JERSEY, INC | $383 | — | $383 | 4.01% |
| EDWARD P LEVINS3 | 224 W 35TH ST, 11TH FLOOR NEW YORK, NY 10001 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $227 | — | $227 | 4.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | — | $35 | $35 | 5.02% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FIN SERV INC | 1133 WESTCHESTER AVE, SUITE S-229 WHITE PLAINS, NY 10604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC | $28 | — | $28 | 4.02% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $193K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $52K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $6K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 8 | $167K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.