| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOREST FINANCIAL INS & FIN SERVICES3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $16K | $26K | 6.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL - CENTERSTONE INSURANCE | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVC | 1133 WESTCHESTER AVE #S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 3.69% |
| 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 | 7.56% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $257 | $3K | 5.05% |
| 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 | $2K | — | $2K | 10.04% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $736 | $72 | $808 | 4.95% |
| 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 | $435 | — | $435 | 11.99% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $154 | $16 | $170 | 4.69% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $424K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $424K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 279 | $16K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 279 | $64K |
| Stop-loss / reinsurancereinsurance | BENEFITMALL - SUN LIFE | 393 | $963K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 279 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.