| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 | PO BOX 366 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | OXFORD HEALTH INSURANCE, INC. | $70K | — | $70K | 3.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 1.09% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 11.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 7.91% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 11.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & INCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 7.98% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOC LTD | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 14.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $570 | $570 | 4.67% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY | $1K | — | $1K | 11.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY | — | $880 | $880 | 8.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 72521 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $601 | $17 | $618 | 15.43% |
| FUTURE VALUE ASSOCIATES LTD3 | PO BOX 366 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 100.00% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 183 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 174 | $4K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $4K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY | 130 | $11K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 154 | $13K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 154 | $34K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 130 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.