| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL INSURANCE BROKERAGE, LLC3 | 5 HILLANDALE AVENUE 2ND FLOOR STAMFORD, CT 06902 | OXFORD HEALTH INSURANCE, INC. | $32K | $79 | $32K | 3.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $0 | $11K | $11K | 1.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 11.83% |
| PASCAL GUIRMA3 | 136 NORTH CHESTNUT STREET NEW PALTZ, NY 12561 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FINANCIAL SERVICES, INC | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 17.32% |
| THE MAXON COMPANY5 | 76 NORTH BROADWAY IRVINGTON, NY 10533 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 7.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $768 | $0 | $768 | 14.86% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC. | 123 | $925K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $96K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 59 | $5K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $35K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 431 | $27K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.