| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFIT SOLUTIONS3 Filed as: HERITAGE BENEFIT SOLUTIONS LLC | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $112K | $123K | 3.93% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 1.63% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $13K | $14K | 0.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE #400S DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 8.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $937 | — | $937 | 0.85% |
| BENEFIT COMMUNICATIONS INC3 | 1 BURTON HILLS BLVD STE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $518 | — | $518 | 0.47% |
| JOHNNY R PITTS3 | 2670 UNION AVE EXTD SUITE 200 MEMPHIS, TN 38112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.17% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 WEST 13TH STREET FORT WORTH, TX 76102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.15% |
| GEORGE CONDRA KNOX3 | 7348 E BRAINERD RD CHATTANOOGA, TN 37421 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FNCL. SVCS. INC. | 12404 PARK CENTRAL DRIVE # 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FNCL. SVCS. INC. | 12404 PARK CENTRAL DRIVE # 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $901 | $5K | 15.70% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FNCL. SVCS. INC. | 12404 PARK CENTRAL DRIVE # 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $753 | $753 | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS INC | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $516 | $516 | 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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.2M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.2M |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 431 | $185K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 303 | $126K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $3.1M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 431 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.