| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 320 WEST 57TH STREET NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $0 | $48K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 1.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.61% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $572 | $572 | 1.25% |
| ROBERT E. BRUNSON3 | 460 WEST 147TH STREET, APARTMENT 66 NEW YORK, NY 10031 | AFLAC | $984 | $0 | $984 | 8.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AFLAC | $457 | $0 | $457 | 4.07% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $207 | $0 | $207 | 1.85% |
| IVAN M SERVAIS3 Filed as: IVAN M. SERVAIS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $95 | $0 | $95 | 0.85% |
| SHARON A MARTIN-TOUSSAINT3 Filed as: SHARON A. MARTIN-TOUSSAINT | 231 PRIMROSE AVENUE MOUNT VERNON, NY 10552 | AFLAC | $92 | $0 | $92 | 0.82% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $58 | $0 | $58 | 0.52% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 167 | $46K |
| Short-term disability | AFLAC | 9 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 167 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 167 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.