| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 3.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.50% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SRVS GROUP | P.O. BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.24% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SRVS GROUP | ONE BLUE HILL PLAZA P.O. BOX 1689 PEARL RIVER, NY 10965 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 12.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $806 | — | $806 | 3.96% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | VISION SERVICE PLAN | $427 | — | $427 | 2.10% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SRVS GROUP | 1 BLUE HILL PLAZA SUITE 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $328 | — | $328 | 1.61% |
| THE D B L CENTER LTD3 Filed as: THE D.B.L. CENTER LTD | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $469 | — | $469 | 7.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $373 | — | $373 | 5.62% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SRVCS GROUP | P.O. BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $298 | — | $298 | 4.49% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 167 | $719K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 165 | $64K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 224 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
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.