| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK EHRENREICH3 Filed as: MARK H EHRENREICH | 40 INDEPENDENCE DR MONROE TOWNSHIP, NJ 088313825 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 2.26% |
| MICHAEL E ROSENZWEIG3 | 2424 N FEDERAL HWY ST 318B BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.27% |
| ASCELA PARTNERS LLC3 | 200 CONTINENTAL DR STE 209 NEWARK, DE 197134335 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| DONALD C SAVOY INC NJ3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 12.52% |
| BRYAN J GARVIN3 | 26 STONE FENCE ROAD BERNARDSVILLE, NC 07924 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $195 | — | $195 | 0.41% |
| NATIONAL FINANCIAL NETWORK, LLC3 | 7 HANOVER SQ 8TH FL NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.05% |
| TOBIN WHITMAN3 | 67 TOWER HILL DRIVE PORT CHESTER, NY 10573 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.05% |
| NEW YORK RHB, LLC3 | 7600 JERICHO TPK 404 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| BROOKLYN FINANCIAL GP LTD3 | 134 BROADWAY BROOKLYN, NY 11211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $787K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.