| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPA INC3 Filed as: IPA, INC. | 6800 JERICHO TURNPIKE, SUITE 118W SYOSSET, NY 11791 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $5K | $79K | 3.18% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 1.15% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 0.98% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SVCS, LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $662 | $662 | 0.03% |
| BRUCE W. WEINSTEIN3 | 6800 JERICHO TURNPIKE, SUITE 103 SYOSSET, NY 11791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 215 NORTH CENTRAL AVENUE, SUITE 6 DULUTH, MN 55807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $78 | $1K | 1.73% |
| FOREST HILLS FINANCIAL GROUP3 | UNKNOWN NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $279 | $0 | $279 | 0.39% |
| MAZZMAR LLC3 Filed as: MAZZMAR, LLC | UNKNOWN NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.01% |
| IPA INC3 Filed as: IPA, INC. | 6800 JERICHO TURNPIKE, SUITE 118W SYOSSET, NY 11791 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.34% |
| IPA INC3 Filed as: IPA, INC. | 6800 JERICHO TURNPIKE, SUITE 118W SYOSSET, NY 11791 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $0 | $7K | 11.89% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $2.5M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $190K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 221 | $59K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 221 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 516 | $2.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
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.