| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE., STE N-136 WHITE PLAINS, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 3.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE., STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 0.92% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FINANCIAL SERVICES | 1133 WESTCHESTER AVE SUITE 229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE., STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 9.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | GUARDIAN | $3K | $730 | $3K | 15.38% |
| SHELTERPOINT LIFE INSURANCE CO3 | 1225 FRANKLIN AVENUE SUITE 475 GARDEN CITY, NY 11530 | SHELTERPOINT LIFE INSURANCE COMPANY | $192 | — | $192 | 20.25% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $2.3M |
| Dental | GUARDIAN | 154 | $21K |
| Vision | GUARDIAN | 154 | $21K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $95K |
| Short-term disability(2 contracts) | SHELTERPOINT LIFE INSURANCE COMPANY | 149 | $38K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $95K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 155 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.