| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV - NY | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | — | $36K | $36K | 2.12% |
| SARAH A MULLANE BECKER3 Filed as: SARAH MULLANE BECKER | P.O. BOX 366 POUND RIDGE, NY 10576 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | $21K | — | $21K | 1.27% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | P.O. BOX 366 POUND RIDGE, NY 10576 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | $21K | — | $21K | 1.27% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | $18K | — | $18K | 1.06% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATES | P.O. BOX 366 POUND RIDGE, NY 10576 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | $3K | — | $3K | 0.19% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | P.O. BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV - NY | P.O. BOX 366 SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 3.28% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $746 | — | $746 | 2.30% |
| THOMAS G FERRARA3 Filed as: THOMAS G. FERRARA | P.O. BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 7.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV - NY | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $610 | $610 | 3.28% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $476 | — | $476 | 2.56% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | P.O. BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 7.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV - NY | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $523 | $523 | 3.27% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $431 | — | $431 | 2.70% |
| THOMAS G FERRARA3 Filed as: THOMAS G. FERRARA | P.O. BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $856 | — | $856 | 9.95% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $435 | — | $435 | 5.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV - NY | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $285 | $285 | 3.31% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | 84 | $1.7M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | 84 | $1.7M |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 101 | $25K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 101 | $19K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 85 | $33K |
| Prescription drug | CONNECTICUT GENERAL LIFE INSURANCE COMPANY (CIGNA) | 84 | $1.7M |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 101 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.