| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP STRATEGIES, LLC3 Filed as: GROUP STRATEGIES LLC | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.20% |
| FOREST FINANCIAL INS & FIN SERVICES3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $198 | — | $198 | 0.01% |
| GROUP STRATEGIES, LLC3 Filed as: GROUP STRATEGIES LLC | 250 PEHLE AVE STE 405 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE CO OF NEW YORK | $6K | — | $6K | 10.63% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $3K | $3K | 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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 0 | $52K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 0 | $52K |
| Other | CIGNA LIFE INSURANCE CO OF NEW YORK | 0 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.