| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $95K | $0 | $95K | 3.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 0.59% |
| BT BENEFITS & CONSULTING LLC3 | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFIT MALL NY- CENTERSTONE INS | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $2K | $9K | 5.91% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.74% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $210 | $0 | $210 | 0.33% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 307 | $3.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 350 | $158K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 350 | $158K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $64K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $64K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 307 | $3.2M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 208 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.