| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 3.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BMALL NY-CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.33% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043545 | EMBLEM HEALTH | $19K | — | $19K | 3.85% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS INC | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BMALL NY-CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $3K | $6K | 9.65% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVENUE SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $818 | — | $818 | 5.17% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $62K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $16K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.