| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANEMER AGENCY INC.3 | 1096 17TH STREET BROOKLYN, NY 11230 | UNITEDHEALTHCARE INSURANCE COMPANY | $161K | — | $161K | 2.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE INS | 1133 WESTCHESTER AVE., STE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 0.77% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 11210 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 0.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE. STE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $842 | $842 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE, STE 4008 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE CO | $11K | — | $11K | 4.99% |
| ANEMER AGENCY INC.3 | 5415 18TH AVE. BROOKLYN NEW YORK, NY 11204 | FIRST UNUM LIFE INSURANCE CO | $9K | — | $9K | 4.00% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 948 | $7.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 948 | $7.1M |
| Life insurance | FIRST UNUM LIFE INSURANCE CO | 357 | $225K |
| Short-term disability | FIRST UNUM LIFE INSURANCE CO | 357 | $225K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CO | 357 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.