| 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 INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 5.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.78% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE, S229 WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $1K | $4K | 20.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 1133 W CHESTER AVE WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 9.96% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 115 | $2.0M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 120 | $75K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 158 | $11K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 146 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $17K |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 146 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.