| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $68K | — | $68K | 4.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $46K | $46K | 3.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 3.95% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 2.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NC 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | — | $3K | $3K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $2K | — | $2K | 3.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $1K | $3K | 14.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $856 | $3K | 14.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $661 | $2K | 13.82% |
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 | 2,306 | 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) | 2,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 914 | $379K |
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 1,929 | $64K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 2,306 | $82K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 50 | $22K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 41 | $14K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 873 | $1.5M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 2,306 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.