| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FUTURE VALUE ASSOCIATES LTD3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $102K | — | $102K | 3.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 0.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY CENTERSTONE | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $4K | $9K | 0.34% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOC LTD | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.21% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $0 | $8K | 9.37% |
| 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 | $0 | $3K | $3K | 3.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INC & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 1.54% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOC LTD | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 16.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $788 | $788 | 5.38% |
| FUTURE VALUE ASSOCIATES LTD3 Filed as: FUTURE VALUE ASSOCIATE LIMITED | 38 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 14.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $559 | $0 | $559 | 4.99% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $2.6M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 204 | $116K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 204 | $90K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 204 | $90K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $2.6M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 204 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.