| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $128K | $26K | $155K | 5.85% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $29K | $29K | 5.28% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 4.98% |
| AMWINS3 Filed as: LISI, INC. | 2 ENTRPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 3.81% |
| THE HOTALING GROUP3 | 8 FLETCHER PIACE MELLVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE, SUITE 2 HIGHTSTOWN, NJ 08520 | UNITEDHEALTHCARE INSURANCE COMPANY | $172 | $0 | $172 | 0.11% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $0 | $6K | 10.80% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 3.63% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.22% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| THE HOTALING GROUP3 | 8 FLETCHER PIACE MELLVILLE, NY 11747 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 223 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 417 | $153K |
| Vision | VISION SERVICE PLAN | 199 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $547K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $585K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $547K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 223 | $2.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.