| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $10K | $20K | 10.90% |
| ANEMER AGENCY INC.3 Filed as: ANEMER AGENCY INC | 1096 EAST 17TH STREET BROOKLYN, NY 112304413 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.04% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 112103837 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.73% |
| ANEMER AGENCY INC.3 Filed as: ANEMER AGENCY | 5415 18TH AVE BROOKLYN, NY 11204 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.04% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 550 | $186K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 210 | $25K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 210 | $25K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 210 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.