| 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 | $197K | — | $197K | 2.30% |
| EDWARD P LEVINS3 | 34 IRVING WALK BREEZY POINT, NY 116971704 | UNITED HEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 2.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 1.96% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 120 WHITE PINE CT MILFORD, PA 183377749 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.02% |
| 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 | $40K | — | $40K | 5.83% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $28K | — | $28K | 4.08% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 120 WHITE PINE CT MILFORD, PA 18337 | SUN LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 1.75% |
| 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 | $28K | $6K | $34K | 6.02% |
| 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 | $21K | — | $21K | 6.87% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 3.79% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | EYE MED | $10K | — | $10K | 11.82% |
| 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 | 1,546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH COMPANY | 1,313 | $10.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 896 | $562K |
| Vision | EYE MED | 1,007 | $82K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,334 | $689K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,334 | $689K |
| Prescription drug | EMBLEM HEALTH COMPANY | 1,313 | $8.6M |
| Other(3 contracts, 2 carriers) | EMBLEM HEALTH COMPANY | 1,546 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,546 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.