| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD P LEVINS3 | 34 IRVING WALK BREEZY POINT, NY 11697 | AETNA LIFE INSURANCE CO. | $159K | — | $159K | 1.10% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS LLC | 120 WHITE PINE COURT MILFORD, PA 18337 | AETNA LIFE INSURANCE CO. | $68K | — | $68K | 0.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 0.12% |
| ASD INSURANCE AND FINANCIAL SERVICE3 | 12404 PARK CENTERAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 0.09% |
| DKG INSURANCE & FINANCIAL SERVICES3 | INC 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 0.09% |
| EDWARD P LEVINS3 | 34 IRVING WALK BREEZY POINT, NY 11697 | THE DIFFERENCE CARD | $39K | — | $39K | 7.47% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS LLC | 120 WHITE PINE COURT MILFORD, PA 18337 | THE DIFFERENCE CARD | $22K | — | $22K | 4.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $13K | $40K | 9.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | STANDARD OF NEW YORK | $10K | — | $10K | 5.14% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | CORPORATE HEALTH INNOVATIONS 224 WEST 35TH STREET, 12TH FL NEW YORK, NY 10001 | STANDARD OF NEW YORK | $8K | — | $8K | 3.87% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 120 WHITE PINE CT MILFORD, PA 18337 | STANDARD OF NEW YORK | $3K | — | $3K | 1.66% |
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 | 1,402 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 0 | $14.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,402 | $14.8M |
| Life insurance | STANDARD OF NEW YORK | 1,328 | $202K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,402 | $433K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,402 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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."
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.