| 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 | — | $57K | $57K | 2.51% |
| THOMAS G FERRARA3 | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $57K | $57K | 2.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 2.00% |
| SARAH A MULLANE BECKER3 Filed as: SARAH MULLANE BECKER | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $341 | $5K | 3.90% |
| THOMAS G FERRARA3 Filed as: THOMAS FERRARA | PO BOX 366 POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $341 | $5K | 3.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS (NY) | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.82% |
| THOMAS G FERRARA3 Filed as: THOMAS GEORGE FERRARA | 32 TWIN FAWN LANE POUND RIDGE, NY 10576 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.89% |
| NEW YORK RHB, LLC3 Filed as: NEW YORK RHB LLC | 7600 JERICHO TPK 404 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 0.27% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-299 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| SARAH A MULLANE BECKER3 | 38 WESTCHESTER AVE POUND RIDGE, NY 10576 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $771 | — | $771 | 12.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $299 | $299 | 5.01% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 189 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $130K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $130K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $6K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $47K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 157 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.