| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE S229 WEST HARRISON, NY 10604 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $16K | — | $16K | 7.18% |
| IRVING FLAMER3 | 576 BROAD HOLLOW ROAD MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE S229 WEST HARRISON, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 4.00% |
| IRVING FLAMER3 | 576 BROAD HOLLOW ROAD MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE S229 WEST HARRISON, NY 10604 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $1K | — | $1K | 4.58% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 81 | $226K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 84 | $57K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 213 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.