| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11K | $6K | $17K | 4.53% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 3.33% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.37% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11K | $4K | $15K | 5.33% |
| MARK HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $13K | — | $13K | 4.79% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.53% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | $3K | $10K | 4.53% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 3.80% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $900 | — | $900 | 0.42% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | $3K | $9K | 4.62% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 3.41% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $700 | — | $700 | 0.38% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 9.05% |
| 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 | $2K | $81 | $2K | 1.92% |
| MARC HIATRIDES - BOR3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.68% |
| 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 | $1K | $69 | $1K | 1.57% |
| COLEEN SHERMAN - BOR3 | 4 JACQUELINE COURT PORT JEFFERSON STAT, NY 11776 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 1.10% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $743 | $320 | $1K | 5.40% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $949 | — | $949 | 4.83% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $114 | — | $114 | 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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,847 | $94K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,118 | $276K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 962 | $213K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,118 | $373K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,929 | $1.8M |
| Other(8 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,118 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,929 | — |
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.