| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WIB BROKERS INC.3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| WIB BROKERS INC.3 Filed as: WIB BROKERS INC | 1133 WESTCHESTER AVE STE 5229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $967 | — | $967 | 0.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | DELTA DENTAL OF NJ, INC. | $7K | — | $7K | 3.91% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| WIB BROKERS INC.3 Filed as: WIB BROKERS INC | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.29% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE ATE S-229 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $826 | — | $826 | 1.53% |
| WIB BROKERS INC.3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNUM LIFE INS. CO. OF AMERICA | $10K | — | $10K | 21.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL SVCS | 1133 WESTCHESTER AVENUE S-229 WHITE PLAINS, NY 10604 | UNUM LIFE INS. CO. OF AMERICA | — | $881 | $881 | 1.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 24.68% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 13.85% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 4.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | — | $4 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $205K |
| WIB BROKERS INC. EIN 06-1345781 BROKER | Other commissions Service code 55 | 1133 WESTCHESTER AVENUE SUITE S 229 WHITE PLAINS, NY 10604 | $0 |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 265 | $166K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 419 | $738K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INS. CO. OF AMERICA | 316 | $55K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 264 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $30K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $266K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.