| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT LINK LLC3 Filed as: BENEFIT LINK, LLC | 2152 RIDGEWAY AVE. ROCHESTER, NY 14626 | EXCELLUS BLUE CROSS BLUE SHIELD | $88K | — | $88K | 2.92% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVE. ROCHESTER, NY 14626 | EXCELLUS BLUE CROSS AND BLUE SHIELD | $10K | — | $10K | 4.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $18K | $4K | $22K | 30.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA COMPANY | $6K | $2K | $9K | 20.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVE ROCHESTER, NY 14626 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $609 | $122 | $731 | 30.02% |
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 | 346 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 301 | $3.0M |
| Dental | EXCELLUS BLUE CROSS AND BLUE SHIELD | 302 | $255K |
| Vision(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 301 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 159 | $74K |
| Short-term disability | MUTUAL OF OMAHA COMPANY | 278 | $43K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 347 | $40K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 301 | $3.0M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 159 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.