| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | $0 | $92K | 3.99% |
| BENEFITMALL3 Filed as: BENEFITMALL NY | 1133 WESTCHESTER AVENUE, SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 1.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.29% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | $4K | $14K | 9.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 300 CONNELL DRIVE, SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $7K | $7K | 5.00% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 10528 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.13% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $599 | $0 | $599 | 3.91% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $15K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 406 | $145K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 406 | $145K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 406 | $145K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $2.3M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 406 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.