| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVI | 1133 WEST CHESTER AVE. WHITE PLAINS, NY 10604 | CIGNA | $17K | — | $17K | 4.25% |
| AMFIELD HARRISON & THOMAS DBA JGS I3 | 20 SOUTH KING STREET LESSBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $9K | — | $9K | 5.23% |
| JACOB GOLDFARB & SIN INC3 | 101 CRAWFORD CORNER RD STE 1300 HOLMDEL, NJ 07733 | DELTA DENTAL OF NJ, INC. | $4K | — | $4K | 4.66% |
| JACOBSEON, GOLDFARB & SCOTT3 | 101 CRAWFORDS CORNER RD 1300 HOLMDEL, NJ 07733 | THE HARTFORD | — | — | $0 | 0.00% |
| JGS INSURANCE3 | 101 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | EYEMED | $1K | — | $1K | 7.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVI | 1133 WEST CHESTER AVE. WHITE PLAINS, NY 10604 | EYEMED | $818 | — | $818 | 5.11% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS DBA J | 101 CRAWFORDS CORNER RD. STE 1300 HOLMDEL, NJ 07733 | EYEMED | $237 | — | $237 | 1.48% |
| JGS INSURANCE3 | 101 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | EYEMED | $119 | — | $119 | 0.74% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 143 | $573K |
| Dental | DELTA DENTAL OF NJ, INC. | 197 | $96K |
| Vision | EYEMED | 189 | $16K |
| Life insurance | THE HARTFORD | 216 | $42K |
| Long-term disability | THE HARTFORD | 216 | $42K |
| Other | THE HARTFORD | 216 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.