| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $84K | $93K | 3.71% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 1.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.32% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.93% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.14% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 13.96% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | $0 | $420 | $420 | 4.93% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $2.5M |
| Vision | VISION SERVICE PLAN | 156 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 211 | $52K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 211 | $52K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $2.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 211 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.