| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL - CENTERSTONE INSURANCE | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 4.54% |
| FOREST FINANCIAL INS & FIN SERVICES3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 2.76% |
| FOREST FINANCIAL GROUP INC3 Filed as: FOREST FINANCIAL INSURANCE | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | — | $5K | 9.50% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $235 | $2K | $2K | 4.52% |
| FOREST FINANCIAL GROUP INC3 Filed as: FOREST FINANCIAL INSURANCE | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 10.47% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $65 | $551 | $616 | 4.51% |
| FOREST FINANCIAL GROUP INC3 Filed as: FOREST FINANCIAL INSURANCE | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $328 | — | $328 | 10.83% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $15 | $122 | $137 | 4.52% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 742 | $393K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 742 | $393K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $14K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $50K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.