| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 117622838 | UNITEDHEALTHCARE INSURANCE COMPANY | $88K | — | $88K | 4.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS & | 1133 WESTCHESTER AVE #S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 0.82% |
| 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 | $21K | $5K | $27K | 13.16% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $2K | — | $2K | 10.85% |
| BRADLEY S RUPPEL3 | 67 MAPLE PL HUNTINGTON, NY 11743 | AFLAC | $177 | — | $177 | 1.06% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $144 | — | $144 | 0.86% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $92 | — | $92 | 0.55% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $36 | — | $36 | 0.22% |
| 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% |
| 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% |
| TODD J BURKE CORP3 Filed as: TODD BURKE | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $6 | — | $6 | 0.04% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.03% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $0 | — | $0 | 0.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | UNITEDHEALTHCARE INSURANCE COMPANY | $642 | — | $642 | 9.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS & | 1133 WESTCHESTER AVE #S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $321 | — | $321 | 4.59% |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $204K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $7K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $204K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $204K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $204K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.