| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | BLUE CROSS BLUE SHIELD OF FLORIDA | $77K | $0 | $77K | 6.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $760 | $640 | $1K | 1.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 1.76% |
| UNKNOWN3 | UNKNOWN DANIA BEACH, FL 33004 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $25 | $0 | $25 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 13.78% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $67K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 128 | $71K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 128 | $71K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 128 | $71K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 103 | $1.3M |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 128 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.