| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY A BERG3 | 251 EAST 51ST STREET, STE 11L NEW YORK, NY 10022 | UNITED HEALTHCARE INSURANCE COMPANY | $135K | — | $135K | 3.38% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 117622838 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 4.66% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 117622838 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.65% |
| JEFFREY A BERG3 Filed as: JEFFREY BERG | 251 E 51ST ST NEW YORK, NY 100226534 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PK, NY 11762 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| JEFFREY A BERG3 | 1065 AVENUE OF THE AMERICAS RM NEW YORK, NY 100180985 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| JEFFREY A BERG3 | 251 EAST 51ST STREET, STE 11L NEW YORK, NY 10022 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
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 | 560 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 424 | $4.0M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 560 | $4.3M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 560 | $4.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $310K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $310K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 424 | $4.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.