| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $42K | $47K | 3.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGCY & FIN SV | 1133 WESTCHESTER AVE S229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $687 | $31K | $31K | 2.57% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARTK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $325 | — | $325 | 1.09% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR SUITE 402 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $270 | — | $270 | 1.23% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 12.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $968 | $968 | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS & FNCL SVCS | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $349 | — | $349 | 1.80% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $489 | — | $489 | 13.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $187 | $187 | 4.99% |
| DKGINS & FNCL SVCS INC3 | 12404 PARK CENTRAL DR #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $73 | — | $73 | 1.95% |
| HERITAGE BENEFIT SOLUTIONS3 Filed as: HERITAGE BENEFIT SOLUTIONS LLC | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | — | $0 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FLOOR 21 NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | — | $0 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MID-ATLANTIC SG LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | — | $0 | — |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 103 | $22K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 102 | $30K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 104 | $19K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 103 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.