| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $44K | — | $44K | 3.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $22K | $22K | 1.70% |
| CARECONNECT INSURANCE AGENCY INC3 | 2200 NORTHERN BLVD GREENDALE, NY 11548 | OXFORD HEALTH INSURANCE, INC. | — | $75 | $75 | 0.01% |
| DKG INSURANCE & FINANCIAL SERVICES3 | — | EMBLEM HEALTH | $18K | — | $18K | 3.56% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 8.46% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SRVCS LLC | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $904 | $904 | 5.01% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $705 | — | $705 | 8.21% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 139 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 190 | $79K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 102 | $9K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 271 | $18K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 271 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
No prospect flags tripped on this filing.