| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS/WI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $0 | $35K | $35K | 2.52% |
| CHAIM LOEB3 | 110 FIELDCREST AVENUE RARITAN PLAZA 1 FLOOR 1 SUITE 37 EDISON, NJ 08837 | OXFORD HEALTH INSURANCE, INC. | $22K | — | $22K | 1.60% |
| AHF GROUP BENEFITS LTD3 Filed as: AHF GROUP BENEFITS, LTD | 3023 AVENUE J BROOKLYN, NY 11210 | OXFORD HEALTH INSURANCE, INC. | $22K | — | $22K | 1.60% |
| CHAIM LOEB3 | 105 FIELDCREST AVENUE SUITE 104 EDISON, NJ 088373628 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.09% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 341 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $99K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.