| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 3.66% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.37% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 5.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $253 | $0 | $253 | 0.41% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $126 | $0 | $126 | 0.21% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.61% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NC 11747 | COMPANION LIFE INSURANCE COMPANY | $218 | $0 | $218 | 0.82% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $1K | $4K | 13.79% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $208 | $0 | $208 | 0.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $104 | $104 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $89 | $2K | 9.68% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NC 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $146 | $0 | $146 | 0.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SERVICES | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $73 | $73 | 0.41% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $1K | $586 | $2K | 13.79% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.40% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 081031000 | UNITED HEALTHCARE INSURANCE COMPANY | $404 | $0 | $404 | 3.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE SUITE S-229 WEST HARRISON, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $45 | $0 | $45 | 0.40% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 117476694 | UNITED HEALTHCARE INSURANCE COMPANY | $36 | $0 | $36 | 0.32% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $210 | $106 | $316 | 13.82% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $18 | $0 | $18 | 0.79% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $180 | $90 | $270 | 13.76% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD UNIT 1568 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $16 | $0 | $16 | 0.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $8 | $8 | 0.41% |
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 | 325 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $1.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $61K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $11K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 325 | $41K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 83 | $26K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 63 | $18K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $1.4M |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 325 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.