| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 117622838 | UNITEDHEALTHCARE INSURANCE COMPANY | $107K | — | $107K | 3.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY- CENTERSTONE INS & F | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 0.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 117622838 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 3.58% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | — | $11K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | — | $11K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $4K | $4K | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 5.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVENUE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 8.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| GROUP PLANNERS INC3 | 54 OCEAN AVE MASSAPEQUA PARK, NY 11762 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 351 | $192K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 351 | $192K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $54K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $57K |
| Long-term disability(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 77 | $153K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $2.9M |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.