| 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 | $248K | — | $248K | 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 | $25K | $7K | $32K | 6.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| EDWARD P LEVINS3 | LICENSING INS/ANNUITY OP 224 W 35TH ST, FL 11 NEW YORK, NY 10001 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.50% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INN | 120 WHITE PINE CT MILFORD, PA 18337 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINA | 1133 WESTCHESTER AVE, STE S-229 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | $4K | $39K | 29.92% |
| 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 INSURANCE AND FINANCE | 1133 WESTCHESTER AVE, SUITE S-229 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $797 | $6K | 16.52% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 1375 BROADWAY 600 NEW YORK, NY 10018 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | — | $1K | $1K | 5.00% |
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 | 1,701 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH COMPANY | 833 | $9.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 892 | $494K |
| Vision | HM LIFE INSURANCE COMPANY | 807 | $45K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,314 | $34K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,279 | $325K |
| Prescription drug | EMBLEM HEALTH COMPANY | 833 | $9.5M |
| Other(5 contracts, 4 carriers) | EMBLEM HEALTH COMPANY | 1,701 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
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.