| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD P LEVINS3 Filed as: EDWARD P LEVINS, CORPORATE HEALTH | INNOVATIONS LLC 34 IRVING WALK BREEZY POINT, NY 11697 | EMBLEM HEALTH COMPANY | $275K | — | $275K | 2.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 4.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $7K | $15K | 3.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SERVICES 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| EDWARD P LEVINS3 | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $16K | — | $16K | 3.50% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS LLC | 120 WHITE PINE CT MILFORD, PA 18337 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 1.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY | $21K | — | $21K | 7.46% |
| EDWARD P LEVINS3 | 34 IRVING WALK BREEZY POINT, NY 11697 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 2.79% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS BOR | 34 IRVING WALK BREEZY POINT, NY 11697 | EYE MED VISION CARE | $8K | — | $8K | 13.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | STANDARD OF NEW YORK | $2K | $5K | $7K | 14.38% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 120 WHITE PINE COURT 224 WEST 35TH STREET, 12TH FL MILFORD, PA 18337 | STANDARD OF NEW YORK | $2K | — | $2K | 4.20% |
| CORPORATE HEALTH INNOVATIONS3 Filed as: CORPORATE HEALTH INNOVATIONS, LLC | 120 WHITE PINE CT MILFORD, PA 18337 | STANDARD OF NEW YORK | $897 | — | $897 | 1.80% |
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 | 1,639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH COMPANY | 0 | $11.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,514 | $480K |
| Vision | EYE MED VISION CARE | 0 | $62K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,251 | $498K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,514 | $928K |
| Prescription drug | EMBLEM HEALTH COMPANY | 0 | $11.5M |
| Other(4 contracts, 3 carriers) | EMBLEM HEALTH COMPANY | 1,639 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.