| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $48K | $48K | 1.95% |
| AHF GROUP BENEFITS LTD3 Filed as: AHF GROUP BENEFITS, LTD. | 3023 AVENUE J BROOKLYN, NY 11210 | OXFORD HEALTH INSURANCE, INC. | $32K | — | $32K | 1.31% |
| CHAIM LOEB3 | 1040 EAST 26TH STREET BROOKLYN, NY 11210 | OXFORD HEALTH INSURANCE, INC. | $29K | — | $29K | 1.19% |
| CORNELL INSURANCE SERVICES LLC3 Filed as: CORNELL INSURANCE SERVICES, LLC | 110 FIELDCREST AVENUE 1ST FLOOR, SUITE 37 EDISON, NJ 08837 | OXFORD HEALTH INSURANCE, INC. | $3K | — | $3K | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | OXFORD HEALTH INSURANCE, INC. | $38 | — | $38 | 0.00% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 510 ROUTE 304, SUITE 200 NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 8.98% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 8.00% |
| WAG NY INC3 Filed as: WAG NEW YORK, INC. | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $391 | — | $391 | 0.12% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 456 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 456 | $2.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 337 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.