| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFLT LINK LLC3 | 2152 RIDGEWAY AVE ROCHESTER, NY 14626 | EXCELLUS BLUE CROSS BLUE SHIELD | $83K | — | $83K | 3.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.98% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 3.83% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | — | $10K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SERVICES | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.47% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 9.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.44% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY ABE ROCHESTER, NY 14626 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SERVICES | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $963 | $963 | 5.25% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $917 | — | $917 | 5.00% |
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 | 326 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 280 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 669 | $211K |
| Vision(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 280 | $2.7M |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 318 | $86K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 318 | $42K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 280 | $2.7M |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 318 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.
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.