| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $671 | $671 | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVENUE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $462 | $462 | 5.00% |
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 | 1,905 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 794 | $0 |
| Life insurance(4 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 765 | $156K |
| Short-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 851 | $46K |
| Prescription drug | HEALTHNOW NEW YORK INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NEW YORK | 1,905 | $0 |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 765 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,905 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.