| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMNI ADMINISTRATORS, INC.3 | 3021 AVENUE J BROOKLYN, NY 11210 | EMBLEMHEALTH | $27K | — | $27K | 3.93% |
| OMNI MANAGED HEALTH, INC.3 | 3877 FLATLANDS AVE BROOKLYN, NY 11234 | OXFORD HEALTH INSURANCE, INC. | $18K | — | $18K | 3.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $3K | $3K | 0.60% |
| BARBARA WEISSMAN3 | OMNI MANAGED HEALTH INC. 3021 AVENUE J BROOKLYN, NY 11210 | EMBLEMHEALTH | $19K | — | $19K | 4.00% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH INC. | 3877 FLATLANDS AVE BROOKLYN, NY 11234 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | DBA BENEFITMALL 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 5.01% |
| OMNI MANAGED HEALTH, INC.3 | 3877 FLATLANDS AVE BROOKLYN, NY 11234 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $360 | — | $360 | 10.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | DBA BENEFITMALL 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $180 | $180 | 5.04% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEMHEALTH | 157 | $1.7M |
| Dental(2 contracts) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 93 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.