| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - NEW YORK INC | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | UNITEDHEALTHCARE INSURANCE COMPANY | $108K | — | $108K | 3.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVENE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $23K | $23K | 0.81% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - NEW YORK INC | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 6.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTON INS & FINANCIAL SERVICES | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.29% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - NEW YORK INC | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVENE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2508 HIGHLANDER WAY CARROLLTON, TX 75006 | $5K |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $91K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $91K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $210K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.