| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY AND FIN SVCS | PO BOX 664173 DALLAS, TX 75266 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.46% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $464 | $7K | 3.30% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $10 | $2K | 1.17% |
| PAYPRO VENTURES LLC3 Filed as: PAYPRO VENTURES, LLC | 115 COMAC STREET RONKONKOMA, NY 11779 | METROPOLITAN LIFE INSURANCE COMPANY | $390 | $0 | $390 | 0.20% |
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $18K | $0 | $18K | 11.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $5K | $5K | 3.07% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 1.53% |
| STEPHEN LOURO3 Filed as: STEPHEN M. LOURO | 225 WIRELESS BOULEVARD SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 1.19% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $603 | $603 | 0.40% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $197K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $197K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $152K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $152K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $152K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 207 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
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.