| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | $0 | $103K | 3.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $23K | $31K | 1.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE, SUITE S299 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.28% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $585 | $10K | 11.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.72% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $2.6M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 121 | $89K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 121 | $89K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 121 | $89K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $2.6M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 121 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.