| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SARAH A MULLANE BECKER3 | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 2.50% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NE 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 2.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 2.00% |
| SARAH A MULLANE BECKER3 Filed as: SARAH MULLANE BECKER | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.63% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.52% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 12.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $530 | $530 | 5.00% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $524 | — | $524 | 13.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NE 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $193 | $193 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTERSTONE INS & FIN SERV INSURANCE BROKER | Other fees; Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | $2K |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 ADMINISTRATOR | Non-monetary compensation; Claims processing; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $79K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 120 | $4K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 119 | $11K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 120 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.