| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $20K | $6K | $26K | 2.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $14K | $4K | $18K | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | — | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $26K | — | $26K | 3.23% |
| DKG INSURANCE & FINANCIAL SERVICES3 | — | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $8K | — | $8K | 1.00% |
| VANGUARD RESOURCES INC3 Filed as: VANGUARD RESOURCES, INC. | — | BLUE CROSS BLUE SHIELD OF NEW MEXICO | — | $350 | $350 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043528 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 3.95% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043528 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.96% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $11K | — | $11K | 6.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $4K | $4K | 2.56% |
| 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 | — | $4K | $4K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $3K | — | $3K | 4.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SRVCS | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | — | $4K | $4K | 5.00% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $3K | — | $3K | 4.76% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE MERIDEN, CT 06450 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.26% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $755 | — | $755 | 1.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $6K | 15.99% |
| 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 | $985 | $665 | $2K | 16.75% |
| 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 | $926 | $463 | $1K | 14.99% |
| 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 | $811 | $406 | $1K | 15.00% |
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 | 2,327 | 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) | 2,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 90 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 917 | $359K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 1,722 | $144K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 2,327 | $44K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 40 | $9K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 44 | $8K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 2,327 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,327 | — |
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.