| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 117622838 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 3.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS & | 1133 WESTCHESTER AVE #S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 0.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $23K | 12.68% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $2K | $14 | $2K | 9.79% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $182 | — | $182 | 1.11% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $110 | $3 | $113 | 0.69% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $95 | — | $95 | 0.58% |
| KENNETH GRAF3 | 578 CENTER HILL RD PITTSBURGH, PA 15239 | AFLAC | $25 | — | $25 | 0.15% |
| BRIAN WHITE3 | 6 COWDIN LN HAPPAQUA, NY 10514 | AFLAC | $15 | — | $15 | 0.09% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $10 | $3 | $13 | 0.08% |
| THOMAS J FESS3 | 8 TIFFANY CT LAKE GROVE, NY 11755 | AFLAC | $12 | — | $12 | 0.07% |
| ANN M PREDUN3 | 5765 BOZEMAN DR APT 1221 PLANO, TX 75024 | AFLAC | $11 | — | $11 | 0.07% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.03% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $4 | — | $4 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $3 | — | $3 | 0.02% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | UNITEDHEALTHCARE INSURANCE COMPANY | $607 | — | $607 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS & | 1133 WESTCHESTER AVE #S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $304 | — | $304 | 5.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $178K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $6K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $178K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $178K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $178K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.