| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SRVCS | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 14.15% |
| JOSEPH P. FALK3 | 875 3RD AVE., FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $4K | $971 | $5K | 8.34% |
| RUSSO GROUP LLC3 | 875 3RD AVE. FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $934 | $82 | $1K | 1.64% |
| AARON BERG3 | 100 VALLEY RD. STE 101 MOUNT ARLINGTON, NJ 07856 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 7.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SRVCS | 6200 CANOGA AVE. #300 WOODLAND HILLS, CA 91367 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO., INC. | 32 OLD SLIP NEW YORK, NY 10005 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 144 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 104 | $85K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 104 | $85K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 141 | $128K |
| Long-term disability | NORTHWESTERN MUTUAL | 141 | $62K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 144 | $361K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 144 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.