| 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. | $42K | — | $42K | 3.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 1.56% |
| DKG INSURANCE & FINANCIAL SERVICES3 | — | EMBLEM HEALTH | $17K | — | $17K | 3.53% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 8.44% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FINANCIAL SVCS | 4851 LBJ FREEWAY STE 1100 DALLAS, TX 75244 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | 1133 WESTCHESTER AVE S229 WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $602 | — | $602 | 5.11% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 6750 HILLCREST PLAZA DRIVE #315 DALLAS, TX 75230 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $752 | — | $752 | 9.24% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $71 | — | $71 | 0.87% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $709 | — | $709 | 9.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SRVCS LLC | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $355 | $355 | 4.98% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 135 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 166 | $75K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 91 | $8K |
| Life insurance(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 269 | $19K |
| Other(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 269 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.