| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATES LIMITED | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $89K | $0 | $89K | 3.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 OLD BAYSHORE HIGHWAY SUITE 125 BURLINGAME, CA 94010 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 0.93% |
| BENEFITMALL3 Filed as: BENEFITMALL NEW YORK | 1133 WESTCHESTER AVENUE SUITE S-299 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $22K | $27K | 0.93% |
| SARAH A MULLANE BECKER3 Filed as: SARAH A. MULLANE BECKER | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 5.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 500 NORTH BRAND BOULEVARD SUITE 1600 GLENDALE, CA 91203 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 4.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 2.89% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATES LIMITED | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $0 | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $717 | $0 | $717 | 3.33% |
| FUTURE VALUE ASSOCIATES LTD4 Filed as: FUTURE VALUE ASSOCIATES LIMITED | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | $0 | $35 | 5.70% |
| WENDY PEARLROTH4 | 5531 CHEERFUL LANE CHARLOTTE, NC 28215 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | $0 | $26 | 4.23% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 203 | $110K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 203 | $89K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 203 | $89K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.9M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 203 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.