| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON BERG3 Filed as: AARON B. BERG | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 078561324 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $0 | $101K | 3.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FS | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 0.68% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 017481727 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FS | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 4.61% |
| AARON BERG3 Filed as: AARON B. BERG | 100 VALLEY ROAD SUITE 101 MOUNT ARLINGTON, NJ 078561324 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 3.18% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 1475 S PRICE ROAD CHANDLER, AZ 85286 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $581 | $22K | 18.87% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $155K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $155K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $118K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.