| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 6750 HILLCREST PLAZA DRIVE # 315 DALLAS, TX 75230 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $32K | — | $32K | 3.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 21650 OXNARD ST STE 200 WOODLAND HILL, CA 91367 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $15K | $15K | 1.63% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 6750 HILLCREST PLAZA DRIVE # 315 DALLAS, TX 75230 | BLUE CROSS OF CALIFORNIA | $23K | — | $23K | 4.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 21650 OXNARD ST STE 200 WOODLAND HILL, CA 91367 | BLUE CROSS OF CALIFORNIA | — | $5K | $5K | 0.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 7.81% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 11210 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $1K | $751 | $2K | 16.57% |
| 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 | $429 | $282 | $711 | 16.58% |
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 | 655 | 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) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 150 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $116K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 593 | $16K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 593 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.