| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | OXFORD HEALTH INSURANCE, INC. | $42K | — | $42K | 3.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACOUISITION-GA | 354 EISENHOWER PKW., STE. 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | — | $17K | $17K | 1.43% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $84 | $84 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACOUISITION-GA | 354 EISENHOWER PKW., STE. 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.79% |
| FIDUCIARY INTERMEDIARY LTD3 | 65 MECHANIC ST.,STE.106 RED BANK, NJ 07701 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| ALLEN C BENTSON AGENCY INC3 | 653 FOREST AVE STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | — | -$4 | -0.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 8.89% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVE., RM. 703 NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.57% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 116 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $65K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $65K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 256 | $60K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 256 | $60K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 256 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.