| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 | PO BOX 366 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 4.03% |
| BENEFITMALLCENTERSTONE INS FIN SVCS3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.03% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 11.77% |
| 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 | — | $1K | $1K | 5.00% |
| 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 | 16.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $718 | $718 | 5.63% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.48% |
| 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 | — | $531 | $531 | 5.00% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY | $1K | — | $1K | 12.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY | — | $419 | $419 | 5.00% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $555 | — | $555 | 13.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $206 | $206 | 4.99% |
| 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 | $520 | $106 | $626 | 18.05% |
| FUTURE VALUE ASSOCIATES LTD3 | PO BOX 366 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE 2-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 43 | $3K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY | 124 | $8K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 146 | $11K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 146 | $27K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 124 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.