| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY DBA BENEFITM | LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 0.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY & FINA | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | AETNA | $4K | — | $4K | 0.85% |
| JACOB SILVERMAN3 | 112 COLLEEN COURT NE LEESBURG, VA 20176 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $24K | — | $24K | 7.03% |
| HOWARD SUSSNER4 Filed as: HOWARD A SUSSNER | 747 CHESTNUT RIDGE RD CHESTNUT RIDGE, NY 10977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 15.01% |
| EMERSON REID LLC4 Filed as: EMERSON REID & COMPANY, INC | 1305 WALT WHITMAN RD, SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 6.00% |
| JACOB SILVERMAN3 Filed as: JACOB OSCAR SILVERMAN C/O JAD BENEF | 112 COLLEEN COURT NE LEESBURG, VA 20176 | DELTA DENTAL OF NJ, INC. | $4K | — | $4K | 3.93% |
| JACOB SILVERMAN3 | 112 COLLEEN CT LEESBURG, VA 20176 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 11.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY DBA BENEFITM | 4851 LBJ FREEWAY SUITE100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 9.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY DBA BENEFITM | 4851 LBJ FREEWAY SUITE100 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 4.67% |
| JACOB SILVERMAN3 | 112 COLLEEN COURT LEESBURG, VA 20176 | AETNA | $2K | — | $2K | 8.57% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AGENCY & FINANCE | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | AETNA | $650 | — | $650 | 3.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINACNCIAL SERVI | 1133 WEST CHESTER AVWE. WHITE PLAINS, NY 10604 | EYEMED | $485 | — | $485 | 5.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINACNCIAL SERVI | 1133 WEST CHESTER AVWE. WHITE PLAINS, NY 10604 | EYEMED | $485 | — | $485 | 5.08% |
| JACOB SILVERMAN3 Filed as: JACOB SILVERMAN-BOR | 112 COLLEEN CT LEESBURG, VA 20176 | EYEMED | $468 | — | $468 | 4.90% |
| JACOG SILVERMAN-BOR3 | 112 COLLEEN CT LEESBURG, VA 20176 | EYEMED | $468 | — | $468 | 4.90% |
| JACOB SILVERMAN3 Filed as: JACOB SILVERMAN-BOR | 112 COLLEEN CT LEESBURG, VA 20176 | EYEMED | $230 | — | $230 | 2.41% |
| JACOG SILVERMAN-BOR3 | 112 COLLEEN CT LEESBURG, VA 20176 | EYEMED | $230 | — | $230 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | 1 HARTFORD WAY HARTFORD, CT 06152 | $8K |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 182 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $278K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $169K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $40K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $40K |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.