| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL HARTOFILIS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 8.03% |
| PROFESSINAL GROUP PLANS3 Filed as: PROFESSINAL GROUP PLANS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 3.21% |
| HARTOFILIS, MICHAEL3 Filed as: HARTOFILIS MICHAEL | 2608 25TH ROAD ASTORIA, NY 11102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 6.91% |
| PROFESIONAL GROUP PLANS, INC.3 Filed as: PROFESIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.95% |
| COREY A SCHNEIDER3 Filed as: COREY SCHNEIDER SENTINEL SOLUTIONS | 530 FIFTH AVENUE 11TH FLOOR NEW YORK, NY 10036 | AMERITAS INSURANCE COMPANY | $11K | — | $11K | 10.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 8.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $274 | $2K | 17.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $156 | — | $156 | 8.13% |
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 | 203 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $10K |
| Life insurance | AMERITAS INSURANCE COMPANY | 154 | $108K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 169 | $65K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 169 | $65K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $705K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.