| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE INC. | $0 | $14K | $14K | 1.35% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE INC. | $9K | — | $9K | 0.90% |
| THE VARSITY GROUP INC3 Filed as: THE VARSITY GROUP, INC | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE INC. | $1K | — | $1K | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $797 | — | $797 | 1.42% |
| THE VARSITY GROUP INC3 Filed as: THE VARSITY GROUP, INC | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $89 | — | $89 | 0.16% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $7K | — | $7K | 25.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $1K | $1K | 4.82% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 137 | $1.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 142 | $56K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 224 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.