| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 08928 | UNITEDHEALTHCARE INSURANCE COMPANY | $140K | $0 | $140K | 4.22% |
| BENEFITMALL3 Filed as: BENEFITMALL NY | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 07058 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 1.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WEST PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.09% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | $3K | $12K | 10.35% |
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE, SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 2.23% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $602 | $2K | 12.56% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $17K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 377 | $121K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 377 | $121K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 377 | $121K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $3.3M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 377 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.