| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE STE 531 NEW YORK, NY 10173 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $136K | $0 | $136K | 2.32% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE COURT MILFORD, PA 18337 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $80K | $0 | $80K | 1.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVC | 1650 OXNARD ST STE 200 WOODLAND HILL, CA 91367 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | -$17K | -$17K | -0.29% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE COURT MILFORD, PA 18337 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | $0 | $1K | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FL NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 1.96% |
| CORPORATE HEALTH INNOVATIONS3 | 120 WHITE PINE COURT MILFORD, PA 18337 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.52% |
| EDWARD P LEVINS3 Filed as: EDWARD LEVINS | 34 IRVING WALK BREEZY POINT, NY 11697 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $241 | $0 | $241 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIVES NY LLC | 176 FEDERAL ST MEZZANINE BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $614 | $0 | $614 | 8.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVC | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $596 | $596 | 8.43% |
| EDWARD P LEVINS3 | 224 W 35TH ST FL 11 NEW YORK, NY 10001 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $258 | $0 | $258 | 3.65% |
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 | 1,260 | 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) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,193 | $6.7M |
| Dental(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,193 | $6.7M |
| Vision(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,193 | $6.7M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,260 | $33K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,260 | $116K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,260 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,260 | — |
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.
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.