| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC | 261 MADISON AVENUE, 5TH FLOOR USI INSURANCE SERVICES, NORTHEAST R NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | $56K | — | $56K | 3.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS / | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC | — | $10K | $10K | 0.62% |
| JN SAVASTA CORP3 Filed as: J. N. SAVASTA CORP. | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 1.07% |
| AHS & ASSOCIATES INC3 Filed as: AHS AGENCY INC. | 45 BROADWAY 3RD FLOOR NEW YORK, NY 10006 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 1.00% |
| FAGE BENEFITS SOLUTIONS LLC3 Filed as: FAGE BENEFIT SOLUTIONS, LLC. | 30 UNDERCLIFF AVENUE PARKWAY PLAZA II ELMSFORD, NY 10523 | DENTCARE DELIVERY SYSTEMS | $747 | — | $747 | 0.33% |
| ANTHONY A PECONE3 | 116 REDFERN DRIVE CARY, NC 27511 | DENTCARE DELIVERY SYSTEMS | $747 | — | $747 | 0.33% |
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 | 1,916 | 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) | 1,916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 304 | $3.0M |
| Dental | DENTCARE DELIVERY SYSTEMS | 1,877 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,877 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.