| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.73% |
| CAPACITY BENEFITS AND FINANCIAL3 | PO BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 1.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 18.48% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 7.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $781 | — | $781 | 5.00% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FINANCIAL SVCS | 1 BLUE HILL PLAZA P.O. BOX 1689 PEARL RIVER, NY 10965 | SUN LIFE ASSURANCE COMPANY OF CANADA | $755 | — | $755 | 4.84% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $777K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $71K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $87K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.