| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE, STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 3.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE, STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE, STE N-136 WEST HARRISON, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $37 | $3K | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $846 | $846 | 1.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE, S229 WHITE PLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.67% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 W CHESTER AVE, STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $957 | — | $957 | 10.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $65 | $65 | — |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $73K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $10K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 0 | $35K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $0 |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 0 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.