| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 800 WESTCHESTER AVE STE 302 RYE BROOK, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY- CENTERSTONE INS & F | 50 MAIN ST STE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.54% |
| CENTER INSURANCE & FIN SERVICES3 | 1133 WESTCHESTER AVE #S299 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR. MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 6.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1133 WESTCHESTER AVE STE N-136 PORT CHESTER, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.90% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $134K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $134K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $134K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.