| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | EMBLEM HEALTH COMPANY | $233K | — | $233K | 2.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 6.13% |
| EDWARD P LEVINS3 Filed as: EDWARD P. LEVINS | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 2.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $5K | — | $5K | 5.00% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $3K | — | $3K | 2.50% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INN | 120 WHITE PINE CT MILFORD, PA 18337 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $3K | — | $3K | 2.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $10K | $10K | 9.58% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $772 | — | $772 | 0.76% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $514 | — | $514 | 0.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 9.80% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 9.00% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 6.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 9.55% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $783 | — | $783 | 1.17% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $522 | — | $522 | 0.78% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 9.95% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $758 | — | $758 | 4.43% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVIATIONS | 120 WHITE PINE CT MILFORD, PA 18337 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $505 | — | $505 | 2.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 8.94% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $747 | — | $747 | 5.01% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $498 | — | $498 | 3.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 1133 WESTCHESTER AVE, SUITE S-229 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $199 | $1K | 13.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVE, SUITE S229 WHITE PLAINS, NY 10604 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | — | $235 | $235 | 5.00% |
| EDWARD P LEVINS3 | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $389 | — | $389 | 13.68% |
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 | 1,603 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH COMPANY | 550 | $8.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 840 | $440K |
| Vision | HM LIFE INSURANCE COMPANY | 426 | $49K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,224 | $42K |
| Long-term disability(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,174 | $203K |
| Prescription drug | EMBLEM HEALTH COMPANY | 550 | $8.9M |
| Other(11 contracts, 4 carriers) | EMBLEM HEALTH COMPANY | 1,603 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,603 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.