| 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 117972005 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $146 | $146 | 4.11% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH INC | 3877 FLATLANDS AVE BROOKLYN, NY 112343008 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67 | $67 | 1.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40 | $40 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LEADING EDGE ADMINISTRATION EIN 27-2589905 NONE | Plan Administrator Service code 14 | 14 WALL STREET STE 5B NEW YORK, NY 10005 | $161K |
| GUTMAN INSTURANCE AGENCY NONE | Plan Administrator Service code 14 | 134 SOUTH 9TH STREET 4A BROOKLYN, NY 11211 | $69K |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANE COMPANY | 267 | $377K |
| Dental | DENTCARE DELIVERY SYSTEMS | 88 | $13K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.