| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $93K | — | $93K | 3.92% |
| BENEFITMALLCENTERSTONE INS FIN SVCS3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $24K | $24K | 1.02% |
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMAL NY-CENTERSTONE INS & FIN | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.97% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 8.40% |
| 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 | — | $2K | $2K | 5.00% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $729 | — | $729 | 1.59% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.64% |
| 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 | 5.00% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $363 | — | $363 | 1.28% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY | $2K | — | $2K | 9.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY | — | $872 | $872 | 5.00% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY | $314 | — | $314 | 1.80% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $448 | — | $448 | 11.64% |
| 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 | — | $192 | $192 | 4.99% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $74 | — | $74 | 1.92% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $100K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY | 210 | $17K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 231 | $28K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 231 | $46K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY | 210 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.