| 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 | — | $39K | $39K | 3.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $4 | $22K | 1.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 1133 WESTCHESTER AVE S229 WHITE PLAIN, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.80% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 6.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.14% |
| 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 | $612 | — | $612 | 0.96% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 8.26% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 5.28% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 9.16% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$59 | $851 | $792 | 4.65% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR STE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 15.93% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $755 | $755 | 5.32% |
| HERITAGE BENEFIT SOLUTIONS3 | 135 CROSSWAYS PARK DR SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $491 | — | $491 | 12.83% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $204 | $204 | 5.33% |
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 | 115 | 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) | 115 | 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 | 118 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $64K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $64K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 115 | $30K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 115 | $17K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 115 | $14K |
| Other(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 115 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.