| 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 | $280K | — | $280K | 2.30% |
| 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 | $6K | $30K | 6.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 2.49% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 1.74% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 120 WHITE PINE CT MILFORD, PA 18337 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $22K | $711 | $23K | 12.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERV | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.78% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.24% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $617 | $21K | 12.38% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | $543 | $20K | 12.04% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | EYE MED | $10K | — | $10K | 14.20% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE CT MILFORD, PA 18337 | EYE MED | — | — | $0 | 0.00% |
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 | 1,384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH COMPANY | 872 | $12.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 913 | $491K |
| Vision | EYE MED | 1,024 | $69K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,384 | $397K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,384 | $415K |
| Prescription drug | EMBLEM HEALTH COMPANY | 872 | $12.2M |
| Other(4 contracts, 3 carriers) | EMBLEM HEALTH COMPANY | 1,992 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,992 | — |
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.