| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COREY A SCHNEIDER3 | 530 5TH AVENUE FLOOR 14 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33K | $5K | $38K | 18.95% |
| MICHAEL A BOOK3 | 530 5TH AVENUE FLOOR 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.09% |
| HARTOFILIS, MICHAEL3 | 2608 25TH ROAD ASTORIA, NY 11102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 6.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 3.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $2K | $16K | 14.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.58% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FINANCIAL SOLUTIONS INC | 530 5TH AVENUE 14TH FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $586 | — | $586 | 4.26% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $204 | — | $204 | 1.48% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 199 | $133K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $14K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 236 | $311K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $110K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $110K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 203 | $696K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 236 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.