| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MG BENEFITS CONSULTING GROUP LLC3 | 80 BUSINESS PARK STE 306 ARMONK, NY 10504 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $70K | — | $70K | 3.49% |
| MG BENEFITS CONSULTING GROUP LLC3 | 80 BUSINESS PARK SUITE 306 ARMONK, NY 10504 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $8K | — | $8K | 10.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 14.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $1K | $3K | 19.60% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN BENEFITS CONSULTING | — | UNITED CONCIERGE MEDICINE | $719 | — | $719 | 11.08% |
| MG BENEFITS CONSULTING GROUP LLC3 Filed as: MG BENEFITS CONSULTING GROUP | — | ESI GROUP | $243 | — | $243 | 5.01% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 115 | $2.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 115 | $2.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 115 | $2.0M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 177 | $73K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 173 | $44K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 177 | $73K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 177 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.