| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 117622838 | UNITEDHEALTHCARE INSURANCE COMPANY | $77K | $16K | $93K | 4.81% |
| 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 | $20K | $5K | $25K | 13.79% |
| JOHN E GLASER3 | 85 ARLINGTON RD LAKE RONKONKOMA, NY 11779 | AFLAC | $2K | $41 | $2K | 10.33% |
| BRADLEY S RUPPEL3 | 70 VICTORIA DR HILTON HEAD ISLAND, SC 29926 | AFLAC | $172 | — | $172 | 1.15% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $103 | $6 | $109 | 0.73% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $87 | — | $87 | 0.58% |
| KENNETH GRAF3 | 578 CENTER HILL RD PITTSBURGH, PA 15239 | AFLAC | $25 | — | $25 | 0.17% |
| JAMES C MALONEY3 | 27 HEWITT DR NORTHPORT, NY 11768 | AFLAC | $23 | — | $23 | 0.15% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $14 | — | $14 | 0.09% |
| THOMAS J FESS3 | 8 TIFFANY CT LAKE GROVE, NY 11755 | AFLAC | $12 | — | $12 | 0.08% |
| ANN M PREDUN3 | 137 MINORTOWN RD WOODBURY, CT 06798 | AFLAC | $11 | — | $11 | 0.07% |
| TODD BURKE3 | 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 | $4 | — | $4 | 0.03% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | UNITEDHEALTHCARE INSURANCE COMPANY | $657 | — | $657 | 10.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS & | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $329 | $308 | $637 | 10.65% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $189K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $6K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $183K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $183K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $183K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.9M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.