| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | $0 | $81K | 5.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE, SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | UNITEDHEALTHCARE INSURANCE COMPANY | -$408 | $0 | -$408 | -0.03% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $9K | $0 | $9K | 9.96% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $566 | $0 | $566 | 9.99% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Life insurance(2 contracts) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 165 | $111K |
| Short-term disability(2 contracts) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 165 | $111K |
| Long-term disability(2 contracts) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 165 | $111K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Other(2 contracts) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 165 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.