| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | NIPPON LIFE BENEFITS | $67K | — | $67K | 6.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY, INC | 800 WESTCHESTER AVE, STE N-311 RYE BROOK, NY 10573 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.59% |
| NATIONAL FINANCIAL NETWORK, LLC3 | 990 STEWART AVE, STE 200 GARDEN CITY, NY 11530 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.05% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $2K | $4K | 15.50% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $1K | $4K | 20.18% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $221 | $94 | $315 | 21.41% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 93 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $62K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $24K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $20K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.