| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DR., STE 300 WOODBURY, NY 11797 | EMBLEMHEALTH | $139K | — | $139K | 3.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVENUE, STE S-229 WHITE PLAINS, NY 106043512 | EMBLEMHEALTH | — | $20K | $20K | 0.56% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DR., STE 300 WOODBURY, NY 117972005 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2677 N MAIN ST., STE 800 SANTA ANA, CA 927056687 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.35% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $16K | — | $16K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $8K | — | $8K | 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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 290 | $4.4M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 157 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.