| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFIT MALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.11% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.82% |
| THE VARSITY GROUP INC3 Filed as: THE VARSITY GROUP INC. | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFIT MALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.43% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.26% |
| THE VARSITY GROUP INC3 Filed as: THE VARSITY GROUP INC. | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $350 | — | $350 | 0.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC | 12404 PARK CENTRAL DRIVE SUITE-400S DALLAS, TX 75251 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $1K | $1K | 4.94% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $1.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 84 | $60K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 249 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.