| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 800 STATE STREET SUITE 500 ERIE, PA 16501 | UNIVERA HEALTHCARE | $18K | $0 | $18K | 2.77% |
| THE BERT COMPANY3 | 800 STATE STREET SUITE 500 ERIE, PA 16501 | UNIVERA HEALTHCARE | $8K | $0 | $8K | 1.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | AMERITAS | $0 | $2K | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 800 STATE STREET SUITE 200 ERIE, PA 16501 | AMERITAS | $787 | $0 | $787 | 2.57% |
| INSGROUP INC3 Filed as: BERT INSURANCE GROUP DBA NORTHWEST | 800 STATE STREET SUITE 500 ERIE, PA 16501 | AMERITAS | $742 | $0 | $742 | 2.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $551 | $551 | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE | $705 | $0 | $705 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE | $0 | $352 | $352 | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE | $531 | $0 | $531 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE | $0 | $265 | $265 | 4.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $66 | $0 | $66 | 9.94% |
| CENTERSTONE INSURANCE AND FINANCIAL4 Filed as: CENTERSTONE INS AGENCY | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $33 | $33 | 4.97% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 64 | $633K |
| Dental | AMERITAS | 121 | $31K |
| Vision | AMERITAS | 121 | $31K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 119 | $13K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 17 | $11K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 104 | $23K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 119 | $664 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.