| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $22K | $11K | $32K | 1.63% |
| PETER WALDOR & ASSOCIATES LLC3 Filed as: PETER WALDOR 7 ASSOCIATES LLC | 220 S ORANGE AVE LIVINGSTON, NJ 07039 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $30K | — | $30K | 1.50% |
| GERALD D HALTERMAN3 | 560 SERENITY POINT DR BLUFFTON, SC 29909 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $24K | — | $24K | 1.20% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | — | $6K | 0.31% |
| DONALD K RICHARDSON3 | 28 VALLEY ROAD PLANDOME, NY 11030 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $4K | — | $4K | 0.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANACIA | — | EMPIRE HEALTHCHOICE ASSURANCE, INC | $4K | — | $4K | 4.00% |
| PETER WALDOR & ASSOCIATES LLC3 | — | EMPIRE HEALTHCHOICE ASSURANCE, INC | $3K | — | $3K | 3.03% |
| GERALD L WALSH3 Filed as: GERALD D HALERMAN | — | EMPIRE HEALTHCHOICE ASSURANCE, INC | $983 | — | $983 | 0.97% |
| PETER WALDOR & ASSOCIATES LLC3 | 220 S ORANGE AVE LIVINGSTON, NJ 07039 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $5K | — | $5K | 7.17% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC. | 30 CORPORATE DR CLIFTON PARK, NY 12065 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $1K | — | $1K | 1.84% |
| PETER WALDOR & ASSOCIATES LLC3 | 220 SOUTH ORANGE AVE STE 200 LIVINGSTON, NJ 07039 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 9.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTON INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 3.68% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES, INC | 30 CORPORATE DR CLIFTON PARK, NY 12065 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $960 | — | $960 | 2.83% |
| GERLAD D HALTERMAN3 | 560 SERENITY POINT DR BLUFFTON, SC 29909 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $910 | — | $910 | 2.69% |
| DONALD K RICHARDSON3 Filed as: DONALD K RICHARDSON TBA DKR CONSULT | 28 VALLEY RD PLANDOME, NY 11030 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $101 | — | $101 | 0.30% |
| GERALD D HALTERMAN3 | 560 SERENITY POINT DR BLUFFTON, SC 29909 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $922 | — | $922 | 5.23% |
| PETER WALDOR & ASSOCIATES LLC3 | 220 SOUTH ORANGE AVE STE 200 LIVINGSTON, NJ 07039 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $272 | — | $272 | 1.54% |
| DONALD K RICHARDSON3 Filed as: DONALD K RICHARDSON TBA DKR CONSULT | 28 VALLEY RD PLANDOME, NY 11030 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $102 | — | $102 | 0.58% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 196 | $2.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC | 178 | $101K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 196 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 269 | $85K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 269 | $67K |
| Long-term disability | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 111 | $34K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 269 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
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.