| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 2.55% |
| GUY A PAREDES3 | 108 PINE BANK RD FLEMINGTON, NJ 08822 | UNITED HEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 2.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 1.11% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| GUY A PAREDES3 | 108 PINE BANK RD FLEMINGTON, NJ 08822 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.99% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GUY A PAREDES3 | 108 PINE BANK RD FLEMINGTON, NJ 08822 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFITMALL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.28% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 439 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $178K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 178 | $22K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 138 | $12K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 439 | $3.2M |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 138 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.