| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $17K | $17K | 4.59% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 1.54% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.32% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $615 | — | $615 | 0.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $12K | $12K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 2.74% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 1.95% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $748 | — | $748 | 0.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $8K | $8K | 4.60% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 1.71% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $738 | — | $738 | 0.41% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $339 | — | $339 | 0.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $7K | $7K | 4.60% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 2.15% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $353 | — | $353 | 0.25% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $342 | — | $342 | 0.24% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 13.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 1133 WESTCHESTER AVENUE WEST S229 WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 13.73% |
| COLEEN SHERMAN - BOR3 | 4 JACQUELINE COURT PORT JEFFERSON STAT, NY 11776 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 13.73% |
| CM CONSULTING GROUP, INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11776 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 13.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $554 | — | $554 | 2.70% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $411 | — | $411 | 2.00% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $62 | — | $62 | 0.30% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $308 | — | $308 | 5.10% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $276 | $276 | 4.57% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $211 | — | $211 | 3.50% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $34 | — | $34 | 0.56% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $18 | — | $18 | 5.25% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $16 | $16 | 4.66% |
| CM CONSULTING GROUP INC3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 3.21% |
| COLLEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.58% |
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 | 1,275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,943 | $128K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 298 | $246K |
| Short-term disability(3 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,099 | $149K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,248 | $360K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $14K |
| Other(6 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,271 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,943 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.