| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED STATES FINANCIAL CORPORATION3 | 4 W RED OAK LANE SUITE 100 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 4.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SVCS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.60% |
| UNITED STATES FINANCIAL CORPORATION3 | 4 W RED OAK LA STE100 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 12.03% |
| PROFESSIONAL PENSIONS INC4 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | -$6K | — | -$6K | -13.73% |
| UNITED STATES FINANCIAL CORPORATION3 | 4 W RED OAK LA STE100 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 14.12% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | -$4K | — | -$4K | -12.58% |
| UNITED STATES FINANCIAL CORPORATION3 | 4 W RED OAK LANE SUITE 100 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SVCS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.40% |
| UNITED STATES FINANCIAL CORPORATION3 | 4 W RED OAK LA STE100 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $419 | — | $419 | 16.53% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | -$328 | — | -$328 | -12.94% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 106 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 184 | $20K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 184 | $20K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 174 | $32K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 182 | $44K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 174 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.