| 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 | $259K | — | $259K | 2.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $4K | $29K | 5.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 12404 PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | AIG | $12K | — | $12K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 12404 PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $2K | $23K | 24.61% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $4K | $9K | 11.00% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $5K | $10K | 15.17% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 224 W 35 ST, 11TH FLOOR NEW YORK, NY 10001 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $4K | $10K | 15.17% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $3K | $8K | 15.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 12404 PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | AIG | $2K | — | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 12404 PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $438 | $3K | 14.55% |
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 | 1,897 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH COMPANY | 874 | $10.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $505K |
| Vision | HM LIFE INSURANCE COMPANY | 908 | $66K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,306 | $86K |
| Long-term disability(2 contracts, 2 carriers) | AIG | 1,306 | $300K |
| Prescription drug | EMBLEM HEALTH COMPANY | 874 | $10.4M |
| Other(8 contracts, 4 carriers) | EMBLEM HEALTH COMPANY | 1,897 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,897 | — |
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.