| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC. | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | OXFORD HEALTH INSURANCE, INC. | $92K | $2K | $94K | 3.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $26K | $26K | 1.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.88% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC. | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.05% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 10.60% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $693 | $693 | 5.00% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | THE PAUL REVERE LIFE INSURANCE COMPANY | $212 | $312 | $524 | 3.91% |
| DANA SENNO SUMMERS3 | 135 BALLSTON AVENUE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $92 | $240 | $332 | 2.48% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $58 | $89 | $147 | 1.10% |
| MICHAEL GEOFFREY VASQUEZ3 | 55 BROADWAY NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | $83 | $139 | 1.04% |
| HOWARD HOROWITZ3 Filed as: HOWARD P DILEMA | 100 JAY STREET APT 14J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | $34 | $70 | 0.52% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | $10 | $10 | 0.07% |
| GFI INSURANCE3 | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | EMPLOYEE SERVICES, INC. | $594 | — | $594 | 5.00% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $321 | — | $321 | 14.99% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $107 | $107 | 5.00% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 393 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $63K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 320 | $14K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 453 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.