| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY & FINA | 1133 WESTCHESTER AVE. SUITE 229 WHITE PLAINS, NY 10604 | AETNA | $4K | — | $4K | 0.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AETNA | $4K | — | $4K | 0.49% |
| JACOB SILVERMAN3 | 112 COLLEEN COURT NE LEESBURG, VA 20176 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | — | $18K | 6.19% |
| 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 | 3.69% |
| JACOB GOLDFARB & SIN INC3 | 101 CRAWFORD CORNER RD STE 1300 HALMDEL, NJ 07733 | DELTA DENTAL OF NJ, INC. | $349 | — | $349 | 0.31% |
| JACOB SILVERMAN3 | 112 COLLEEN COURT LEESBURG, VA 20176 | AETNA | $5K | — | $5K | 13.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCE | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | AETNA | $1K | — | $1K | 2.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | AETNA | $1K | — | $1K | 2.56% |
| JACOB SILVERMAN3 Filed as: JACOB SILVERMAN-BOR | 112 COLLEEN CT LEESBURG, VA 20176 | EYEMED | $2K | — | $2K | 12.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINACNCIAL SERVI | 1133 WEST CHESTER AVWE. WHITE PLAINS, NY 10604 | EYEMED | $744 | — | $744 | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL EIN 95-4018229 | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | $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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 188 | $1.2M |
| Dental | DELTA DENTAL OF NJ, INC. | 366 | $113K |
| Vision | EYEMED | 225 | $16K |
| Life insurance | AETNA | 248 | $39K |
| Long-term disability | AETNA | 248 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.